Nagaland Rural Bank IFSC Code and MICR Code

Find Nagaland Rural Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Nagaland Rural Bank IFSC Code, MICR Code and SWIFT Code

The Nagaland Rural Bank has its head office in Kohima, Nagaland, and aims to be a Model Bank in the country. The bank allows online transactions like NEFT, RTGS, and IMPS, along with loans, deposits, and other services. You need to know the Nagaland Rural Bank IFSC Code to make online funds transfers. 

The Indian banking system has created unique codes that help identify the branches of every bank and simplify the online money transferring services. The most used codes are IFSC and MICR codes, allotted by the RBI (Reserve Bank of India) to individual bank branches in the country.

In this article, we’ll find the IFSC and MICR codes for Nagaland Rural Bank and learn how to search for the codes online and offline. We’ll also read about different online payment methods and the documents needed for NEFT, RTGS, and IMPS transactions.  

Nagaland Rural Bank IFSC Code


IFSC is short for Indian Financial System Code, an 11-character unique code to represent each bank branch in India. RBI has set up a coding system to easily identify a bank’s branch during online money transfers. 

The IFSC code has a standard format, where the first four characters denote the bank code, the fifth character is zero, and the last six characters denote the branch code. The branch code can be alphabets, numbers, or a combination of both. For example, the Nagaland Rural Bank Head Office Branch, Kohima IFSC Code is SBIN0RRNLGB.


  • SBIN is the bank code for SBI (State Bank of India) and is followed by zero (0) 
  • RRNLGB is the branch code for Nagaland Rural Bank in Kohima Town, Nagaland. 

What is the need for an IFSC code? The banking system requires the IFSC code to initiate and process online funds transfers. If you want to send money to another person’s bank account using NEFT, RTGS, or IMPS, you need to input the IFSC code of the branch, along with the person’s account number. 

The IFSC code prevents confusion when processing online transactions. So does it mean entering the wrong IFSC code will result in a failed transaction? It depends. If it’s the same bank, the transaction will be successful, and the money will be deposited into the beneficiary’s account. 

If the IFSC code and the bank account are wrong, it will lead to a failed transaction. You have to wait for a few working days for the amount to be credited back to your account. It is always better to cross-check and confirm the ISFC code and bank account number when making an online payment. 

Nagaland Rural Bank MICR Code

RBI introduced the Magnetic Ink Character Recognition code or MICR code to validate the authenticity of cheques. The code is printed on every cheque using the MICR technology. It is a 9-digit code and is limited to being used by banks when electronically processing cheques for faster deposits. 

The MICR code is divided into three parts: 

  • The first three digits denote the city code
  • The next (middle) three digits represent the bank code 
  • The last three digits indicate the branch code

The MICR code is different from the Nagaland Rural Bank IFSC Code as it is not used by account holders. Instead, it is used by banks during ECS (Electronic Clearing System). Not every branch has a MICR code. Some are non-MICR banks like the Nagaland Rural Bank. 

These banks manually process the cheques instead of using the electronic system. The transaction will take more time in such instances. Some RRBs (Regional Rural Banks) don’t have MICR codes.

How to find the IFSC Code, MICR Code & Swift Code of the Nagaland Rural Bank?


Now, we come to the primary question of how to find the banking codes of a particular bank’s branch. While the IFSC code is used for domestic net banking payments, the SWIFT code is used for international money transfers. However, not all banks have a SWIFT code. 

Here are some ways to find Nagaland Rural Bank IFSC Code online and offline: 

Online Search Tools

A quick way to find the IFSC and MICR codes is by searching online. Find Your Bank is a user-friendly website to find the banking codes, addresses, and contact information of any bank branch in India. Just follow the below steps: 

Open the website through the URL:

The form is available on the homepage with drop-down lists for every field. You only have to choose the relevant option in each field. The page will automatically reload after each selection. 

  • First, select the bank name- Nagaland Rural Bank 
  • Then, select the state- Nagaland 
  • Next, choose the district- Kohima 
  • Finally, select the branch name- Head Office 

The page will load the following information: 

  • IFSC code
  • MICR code (if available)
  • SWIFT code (if available)
  • Bank name 
  • Branch name 
  • Branch Address
  • District 
  • State 
  • Pin code 
  • Contact number 
  • Email ID 

You can also download the free Find Your Bank mobile app from Playstore and use it anytime to search for the above details of a bank’s branch. It is simple, hassle-free, and fast. 

Bank Passbook

Every account holder is provided with a passbook to record the transactions that take place through their account. The first page of the passbook has information related to the bank branch and the account holder. 

The IFSC and MICR codes, along with the bank’s address and customer’s information, such as the account number, type, customer ID, address, etc., are printed on the first page of each passbook. The beneficiary can share the IFSC code with the sender by noting it from the passbook. 

Bank Chequebook

Unlike the passbook, the account holder has to specifically apply for a chequebook. The first page of the cheque will contain the account and branch information. The codes are also printed on each cheque (leaf). The IFSC code is printed at the top of the cheque, and the MICR code is printed at the bottom beside the cheque number. 

Bank’s Digital Platforms

The bank’s official website will also share the banking codes and branch addresses. You can either find the codes directly or have to log into your net banking account. The mobile apps of the banks also provide the IFSC code information.

Call Customer Care

If you don’t want to search for the codes, contact customer care through phone or email and ask for the IFSC code of the particular branch. People who don’t have an account in the bank can also ask for the IFSC code. Remember that sharing confidential information like the account number, passwords, or debit card details is not required. 

How to Transfer Money through NEFT, RTGS & IMPS?


We cannot deny how easy it has become to send and receive money through the internet. Net banking and mobile banking have made it convenient to make payments anytime and from any location. It only requires a device with an internet connection and a net banking account. 

NEFT, RTGS, and IMPS were introduced into the Indian banking system at different stages to facilitate online fund transfers. Each payment method uses a different technique and has different transaction charges and requirements. Let’s read about them in detail. 

NEFT (National Electronic Funds Transfer)

NEFT is a popular online money transfer method that uses the Deferred Net Settlement (DNS) system to clear the transactions in batches. It may take roughly two to three hours for the NEFT payment to reach the beneficiary’s account.  

You need to know the Nagaland Rural Bank IFSC Code to send money to another account using NEFT. The payment method works 24*7 and can be accessed from your net/ mobile banking profile. NEFT transactions have no maximum or minimum limits. The charges are calculated based on the amount sent per transaction.

Transaction Charges are as follows: 

  • For amount up to Rs. 10,000: Rs. 2.5+ tax 
  • Between Rs. 10,000 and Rs. 1,00,000: Rs. 5+ tax 
  • Between Rs. 1,00,000 and Rs. 2,00,000: Rs. 15+ tax 
  • Above Rs. 2,00,000: Rs. 25+ tax 

The below details are required to initiate an NEFT payment. You can also visit the branch to send money through NEFT. 

  • Beneficiary name 
  • Beneficiary account number 
  • Beneficiary bank name 
  • Beneficiary branch IFSC code 
  • Amount to transfer 
  • Your account number to debit the amount 

RTGS (Real Time Gross Settlement)

RTGS is a secure online payment system used to send money to any domestic bank account in real-time. The advantage of RTGS payments is that it sends huge amounts of money immediately to the beneficiary’s account. However, the transaction is not reversible. 

RTGS transactions do not have a maximum limit. But the minimum amount is Rs. 2,00,000. This method is solely used for transferring large amounts securely. As with NEFT, you can send money through RTGS from your net banking profile or the bank branch.  

RTGS transactions are slightly expensive due to the larger amount sent. The charges are as follows: 

  • For transactions between Rs. 2,00,000 and Rs. 5,00,000: Rs. 25+ tax 
  • Above Rs. 5,00,000: Rs. 50+ tax 

You need the same details as an NEFT transaction to send money through RTGS. 

IMPS (Immediate Payment Service)

IMPS was first introduced in 2010 by the National Payments Corporation of India (NPCI). It works round the clock to send money instantly to a bank account or a registered mobile number. IMPS is used for smaller amounts and can be initiated in different ways. 

It works even during non-banking hours and on bank holidays. The minimum amount to send through IMPS is Re. 1, and the maximum amount is Rs. 2,00,000. The transaction charges for IMPS payments depend on the bank. However, banks cannot charge more than Rs. 25+ tax per transaction. 

IMPS uses Mobile Money Identifier (MMID) allotted for the registered mobile number to identify the accounts. You either need to use the IFSC code or the MMID. The following details are required to send money through IMPS: 

  • Your MMID 
  • Your mobile number 
  • Beneficiary’s MMID 
  • Beneficiary’s account number 
  • Beneficiary branch’s IFSC code (optional) 
  • Amount to transfer 
  • Beneficiary’s AADHAR 

About the Nagaland Rural Bank


Nagaland Rural Bank was established in 1983 under the Regional Rural Banks Act, 1976. It is sponsored by the State Bank of India and jointly owned by the central govt. and state govt. Of Nagaland. 

The bank’s share capital is divided by the ratio of 50:35:15, where the government of India owns 50% share capital, the State Bank of India (sponsor bank) owns 35%, and the remaining 15% goes to the state government of Nagaland. 

Nagaland Rural Bank has its head office in Kohima. It has a total of ten branches spread across five districts in the state. There are four branches in Dimapur, three in Kohima, and one each in Mokokchung, Zunheboto, and Wokha. The bank is committed to the upliftment of the rural economy in Nagaland. 

Frequently Asked Questions

1) How many Rural Banks are there in Nagaland?

There are ten RRBs (Regional Rural Banks) in Nagaland. All of them are the branches of the same bank, Nagaland Rural Bank. 

2) What Services are offered by Rural Banks?

Rural banks provide financial services to farmers, cottage industries, and rural-based economic operators as a priority. The banks offer loans, credits, deposits, and online money transfers. 

3) Who is the Chairman of Nagaland Rural Bank?

V.Venkata Narayana is the Chairman of Nagaland Rural Bank. He was an AGM of the FSLO Dept. in Amaravati Circle at SBI before becoming the Chairman of NRB. 

4) Who Started Rural Banks in India? 

M. Swaminathan is considered the father of rural banks as he was the one to establish the first rural bank in the country. RRBs are considered Indian Commercial banks at the regional level. 

5) What is the State with the Maximum number of Rural Banks in India? 

Uttar Pradesh has the most RRBs in the country. There are 36 rural banks in Uttar Pradesh.