Nainital Bank (Nainital) IFSC Code — Complete Guide
Nainital Bank is one of the oldest private sector banks in northern India, established in 1922 in Nainital, Uttarakhand. A subsidiary of Bank of Baroda, which holds a majority stake, Nainital Bank operates 170+ branches primarily in Uttarakhand, Uttar Pradesh, Delhi, Haryana, and Rajasthan. The bank is known for its hill station heritage and serves local retail and agricultural customers in the Kumaon and Garhwal regions.
How to Find Nainital IFSC Code
- Use the search tool above — select state, district and branch
- Check your Nainital cheque book — IFSC at top of every leaf
- Front page of your Nainital passbook
- Nainital net banking → Account Details
NEFT, RTGS and IMPS Timings
- NEFT: Available 24×7 including weekends. Settled in 30-minute batches. No minimum amount.
- RTGS: Available 24×7. Minimum ₹2 lakh. Real-time gross settlement.
- IMPS: Instant 24×7. Up to ₹5 lakh per transaction. Credited immediately.
Difference Between IFSC and MICR Code
IFSC (11 alphanumeric characters) is used for online transfers — NEFT, RTGS, IMPS. MICR (9 numeric digits) is printed at the bottom of cheques using magnetic ink for cheque clearing. IFSC is for digital transfers; MICR is for paper cheques. Both are branch-specific and unique per branch.
How to Verify an IFSC Code
Always verify IFSC codes before initiating transfers, especially for large amounts. Use the search tool above to cross-check any IFSC against the official database. An IFSC code should be exactly 11 characters, start with 4 letters (bank code), have a 0 as the 5th character, and end with 6 alphanumeric characters.