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Guidance Materials

1. What does IFSC mean?

Indian Financial System Code (IFSC) is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT and RTGS system

- This is an 11 digit code;

  first 4 alpha characters represent the “bank”,

  5th character is 0 (zero)

   last 6 characters represent the “branch”

IFSC is used by the NEFT and RTGS system, to identify and route the messages appropriately, to originating / destination banks / branches.

1. What is a MICR Code?

Magnetic Ink Character Recognition (MICR) Code is a numeric code that uniquely identifies a bank-branch participating in ECS scheme.

MICR is a 9 digit code to identify the location of the bank branch;

    - first 3 characters represent the “city”

    - next 3 the “bank”, and

    - last 3 the “branch”

MICR Code allotted to bank branch is printed on MICR band of cheques issued by bank branches

1. What does RTGS mean?

Real Time Gross Settlement (RTGS) is continuous (hence, real-time) settlement of funds transfers, individually on an order by order basis (i.e. gross amount, without netting). “Real Time” is processing of instructions at the time they are received. “Gross Settlement” is settlement of funds transfer instructions occurring individually.

2. RTGS vs. National Electronics Funds Transfer System (NEFT)?

- NEFT operates on a Deferred Net Settlement (DNS) basis, which settles transactions in batches. Transactions received till particular cut-off time is batched together. NEFT operates in hourly batches (12 settlements - 8 a.m. to 7 pm - Monday to Friday; 6 settlements - 8 a.m.  to 1 p.m. - Saturday). RTGS transactions are processed continuously throughout RTGS business hours. Monday to Friday - 9 a.m. to 4:30 p.m.; Saturday - 9 a.m. to 2 p.m. (settlement at RBI end)

- NEFT transactions are netted (receivable and payable) vs. RTGS transactions are settled individually

3. Minimum and maximum amount for RTGS transactions

a. Minimum amount through RTGS is 2 lakhs

b. No maximum amount for RTGS transactions

4. How soon does the RTGS transfer reflect in accounts

Since the transfer is expected to be in real time, beneficiary bank has to credit beneficiary account within 2 hours of receiving funds transfer message

5. Normal business hours for RTGS transfers?

Monday to Friday - 9 a.m. to 4:30 p.m.; Saturday - 9 a.m. to 2 p.m. (settlement at RBI end)

6. Processing charges/ Service charges for RTGS transactions?

Broad framework recommended

- Inward transactions - free

- Outwards Transactions

    Rs 2 Lakhs to Rs 5 Lakhs - not exceeding Rs 30 per transaction

    Above Rs 5 Lakhs - not exceeding Rs 55 per transaction

7. Above Rs 5 Lakhs - not exceeding Rs 55 per transaction

- Both sending and receiving bank branches need to be RTGS enabled, for RTGS funds transfer to get processed.

- Essential information like amount, beneficiary (customer name, bank branch and IFSC code, account number, account type) and remitting customer account number, need to be correct

1. What NEFT means?

National Electronic Funds Transfer (NEFT) is a national payment system, which helps one to one electronic funds transfer. NEFT system takes advantage of core banking system in banks

2. Maximum and minimum amount for NEFT transfer

- There is no minimum limit

- There is no maximum limit, however 50,000 limit for cash based remittances

3. NEFT hours of operation?

NEFT operates on a Deferred Net Settlement (DNS) basis, which settles transactions in batches. Transactions received till particular cut-off time is batched together. NEFT operates in hourly batches (12 settlements - 8 a.m. to 7 pm - Monday to Friday; 6 settlements - 8 a.m. to 1 p.m. - Saturday).

4. What is required for a successful NEFT transaction

- Both sending and receiving bank branches need to be NEFT enabled

- Essential information like amount, beneficiary (customer name, bank branch and IFSC code, account number, account type) and remitting customer account number, need to be correct

- Process followed is ;

  Customer › Originating Bank › NEFT Service Center › NEFT Clearing Center › Destination Bank › Beneficiary account

5. What does IFSC mean?

Indian Financial System Code (IFSC) is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT and RTGS system

- This is an 11 digit code;

    first 4 alpha characters represent the “bank”,

    5th character is 0 (zero)

    last 6 characters represent the “branch”

- IFSC is used by the NEFT and RTGS system, to identify and route the messages appropriately, to originating / destination banks / branches

6. What are the processing charges/ service charges for NEFT transactions

Broad structure is;

- Inwards transactions - credit to beneficiary accounts - Free

- Outwards Transactions -

    Up to Rs 10,000 - not greater than Rs 2.50 + Service Tax

    Above Rs 10,000 to Rs 1 lakh - not greater than Rs 5 + Service Tax

    Above Rs 1 lakh and up to Rs 2 lakhs - not greater than Rs 15 + Service Tax

    Above Rs 2 lakhs – not greater than Rs 25 + Service Tax

7. How soon does the NEFT credit appear in the beneficiary account?

- “Same day” for transactions processed between;

    Monday to Friday – first 10 batches i.e. 8 am to 5 pm

    Saturday – first 5 batches i.e. 8 am to 1 pm

- “Same day or Next day” for transactions processed between;

    Monday to Friday – last 2 batches i.e. 6 pm and 7 pm

    Saturday – last batch i.e. 1 pm

8. Can NEFT be used to transfer funds from / to Non Resident Ordinary (NRO) and Non Resident External (NRE) accounts?

Yes. NEFT can be used to transfer funds to NRO and NRE accounts in the country. Please also check adherence to the provisions of the Foreign Exchange Management Act, 2000 (FEMA) and Wire Transfer Guidelines.

9. Can NEFT be used to draw (receive) funds?

No. NEFT can be originated only to transfer / remit funds to a beneficiary

1. What does Electronic Clearing Service (ECS) mean?

ECS is used for electronic mode of payment and receipts. ECS transactions are generally repetitive or periodic (e.g. Salary, Equated Monthly Installment (EMI) payment, Utility bills (telephone, electricity), Systematic Investment Plan (SIP) payouts, etc..

2. How does ECS work?

- ECS Credit user or ECS debit user, and

- Final beneficiary

- ECS user initiates the transaction (via it's bank, known as sponsor bank). There needs to be an authorization/mandate given by the beneficiary for the transaction to complete. Beneficiary bank is known as destination bank.

- ECS user needs to submit details of the beneficiary (like name, bank / branch / account number of the beneficiary, MICR code of the destination bank branch, etc.) through its sponsor bank to one of ECS Centers (81 local, 9 regional , 1 national)

3. What is a MICR Code?

Magnetic Ink Character Recognition (MICR) Code is a numeric code that uniquely identifies a bank-branch participating in ECS scheme.

MICR is a 9 digit code to identify the location of the bank branch;

- first 3 characters represent the "city"

- next 3 the "bank", and

- last 3 the “branch"

MICR Code allotted to bank branch is printed on MICR band of cheques issued by bank branches

4. Can ECS be used to transfer funds to Non Resident Ordinary (NRO) and Non Resident External (NRE) accounts? Yes. ECS can be used to transfer funds to NRO and NRE accounts in the country. Please also check adherence to the provisions of the Foreign Exchange Management Act, 2000 (FEMA) and Wire Transfer Guidelines

5. Is beneficiary updated of credits in their account under ECS Scheme?

ECS user is responsible to communicate to beneficiary, the details of updates. Destination banks are advised to ensure that the pass books / statements given to the beneficiary account holders reflect particulars of the transaction.

6. Is there any limit on the value of transaction under ECS

No. There is no value limit

7. What are the processing / service charges for ECS

Normally free of charge for Beneficiary/accounts of customers. Originating banks pay 25 to 50 paise per transaction, to clearing house and destination bank.

8. Can given ECS mandate by customer be withdrawn or stopped?

Yes. But customer has to give prior notice to ECS user in advance. This will ensure input files are updated, with mandates withdrawn or stopped by customers. Any mandate in ECS debit is on par with a cheque isused by a customer.

9. Can customer put a ceiling on debit amount, purpose, validity period of the mandate under ECS Scheme?

Yes. Customer and ECS user can decide these aspects. Mandate can contain ceiling on maximum amount of debits, specify purpose of debit and validity period of mandate.

Immediate Payment Service (IMPS) is a payment service introduced by National Payments Corporation of India (NPCI).


The service, launched as an instant mobile remittance solution in November, 2010 has today evolved as a multi-channel, multi-dimensional remittance platform. The IMPS platform today is capable of processing P2P(Person to Person), P2A (Person to Account) and P2M (Person to Merchant) remittance and transactions can be initiated from Mobile, Internet as well as ATM channel. In addition to banking customers,non-banking customers can also avail the IMPS facility through Reserve Bank of India (RBI) approved PPIs.

City Code
Agra 282
Ahmedabad 380
Amritsar 143
Bangalore 560
Bhopal 462
Bhubaneswar 751
Calcutta 700
Chandigarh 160
Chennai 600
Coimbator 641
Guwahati 781
Hyderabad 500
Indore 452
Jaipur 302
Jullundhar 144
Kanpur 208
Kochi 682
Lucknow 226
Ludhiana 141
Madurai 625
Mangalore 575
Mumbai 400
Nagpur 440
New Delhi 110
Patna 800
Pune 411
Surat 395
Thiruvananthapuram 695
Vadodara 390
Varanasi 221
CODE NO. ALPHA CODE BANK NAME
01 (RBI) RESERVE BANK OF INDIA
02 (SBI) STATE BANK OF INDIA
03 (SBJ) STATE BANK OF BIKANER & JAIPUR
04 (SBH) STATE BANK OF HYDERABAD
05 (SBN) STATE BANK OF INDORE
06 (SBM) STATE BANK OF MYSORE
07 (SBP) STATE BANK OF PATIALA
08 (SBS) STATE BANK OF SAURASHTRA
09 (SBT) STATE BANK OF TRAVANCORE
10 (ALB) ALLAHABAD BANK
11 (ANB) ANDHRA BANK
12 (BOB) BANK OF BARODA
13 (BOI) BANK OF INDIA
14 (BOM) BANK OF MAHARASHTRA
15 (CAB) CANARA BANK
16 (CBI) CENTRAL BANK OF INDIA
17 (COB) CORPORATION BANK
18 (DEB) DENA BANK
19 (INB) INDIAN BANK
20 (IOB) INDIAN OVERSEAS BANK
22 (OBC) ORIENTAL BANK OF COMMERCE
23 (PSB) PUNJAB AND SIND BANK
24 (PNB) PUNJAB NATIONAL BANK
25 (SYB) SYNDICATE BANK
26 (UBI) UNION BANK OF INDIA
27 (UNI) UNITED BANK OF INDIA
28 (UCO) UCO BANK
29 (VJB) VIJAYA BANK
30 (ABN) ALGEMENE BANK NEDERLAND
31 (AMX) AMERICAN EXPRESS BANK LTD.
32 (BOA) BANK OF AMERICA
33 (BOT) BANK OF TOKYO LTD.
34 (BNP) BANQUE NATIONALE DE PARIS
35 (BBM) BRITISH BANK OF MIDDLE EAST
36 (CHB) STANDARD CHARTERED BANK
37 (CIT) CITI BANK
38 (GRN) GRINDLAYS BANK
39 (HON) HONGKONG SHANGHAI BKG.CORP.
40 (MIT) MITSUI BANK LTD.
41 (MDR) BANK OF MADURA LTD.
43 (BOR) BANK OF RAJASTHAN LTD.
44 (BHB) BHARAT OVERSEAS BANK LTD.
46 (BTH) BANK OF THANJAVUR LTD.
47 (CSB) CATHOLIC SYRIAN BANK LTD.
48 (DBL) DHANALAKSHMI BANK LTD.
49 (FBL) FEDRAL BANK LTD.
51 (JKB) JAMMU AND KASHMIR BANK LTD
52 (KBL) KARNATAKA BANK LTD
53 (KVB) KARUR VYSYA BANK LTD.
54 (KCU) KUMBAKONAM CITY UNION BANK LTD.
56 (LVB) LAKSHMI VILAS BANK LTD.
57 (NBL) NEDUNGADI BANK LTD.
58 (SAN) SANGLI BANK LTD.
59 (SIB) SOUTH INDIAN BANK LTD.
60 (TMB) TAMILNADU MERCANTILE BANK LTD.
62 (UIB) UNITED INDUSTRIAL BANK LTD
63 (UWB) UNITED WESTERN BANK LTD.
64 (VBL) VYSYA BANK LTD.
65 (ACB) ABHYUDAYA CO-OP.BANK LTD., MUMBAI
66 (AMC) AHMEDABAD MERCANTILE CO-OP. BANK LTD.
67 (ALC) ALEN CO-OP.BANK LTD., MUMBAI
68 (MDC) MUMBAI DIST.CENTRAL CO-OP BANK LTD.
69 (BMC) MUMBAI MERCANTILE CO-OP BANK LTD.
70 (CBA) CO-OP BANK OF AHMEDABAD
71 (DMC) DECAN MERCHANTS CO-OP BANK LTD.
72 (DCB) DEVELOPMENT CO-OP. BANK LTD., MUMBAI
73 (JNB) JAIN SAHAKARI BANK LTD., MUMBAI
74 (JSB) JANATA SAH. BANK LTD.,,MUMBAI
75 (KMC) KONKAN MERCANTILE CO-OP. BANK LTD., MUMBAI
76 (KCB) KAPOLE CO-OP BANK LTD., MUMBAI
77 (KNS) KURLA NAGARIK SAH. BANK LTD., MUMBAI
78 (MMC) MADHAVPURA MERC.CO-OP BANK LTD., BOMBAY
79 (MSB) THE MALAD SAHAKARI BANK LTD., MUMBAI
80 (MCB) MANDVI CO-OP BANK LTD., MUMBAI
81 (MTC) METROPOLITAN CO-OP BANK LTD., MUMBAI
82 (MSC) MAHARASHTRA STATE CO-OP BANK LTD., MUMBAI.
83 (MMN) MEMON CO-OP BANK LTD., MUMBAI
84 (MGB) MOGAVEERA CO-OP BANK LTD., MUMBAI
85 (NIC) NEW INDIA CO-OP BANK LTD., MUMBAI
86 (NKC) N.K.G.S.B.CO-OP BANK LTD., MUMBAI
87 (SHC) SAHYADRI SAH. BANK LTD., MUMBAI
88 (SRC) SARASWAT BANK LTD., MUMBAI
89 (SVC) SHAMRAO VITHAL CO-OP BANK LTD., MUMBAI.
90 (SJC) SWASTIK JANATA SAH. BANK LTD., MUMBAI
91 (TSC) TAMILNADU STATE CO-OP BANK LTD.
92 (MCC) MADRAS CENTRAL CO-OP BANK LTD.
93 (WBC) WEST BENGAL STATE CO-OP BANK LTD.
94 (DSC) DELHI STATE CO-OP BANK LTD.
95 (GBC) GREATER MUMBAI CO-OP BANK LTD.
96 (ANS) AHMEDNAGAR SAHAKARI BANK LTD., MUMBAI
98 (APN) APNA SAHAKARI BANK LTD.
99 (SON) SONALI BANK LTD.
100 (PBB) PURBANCHAL BANK LTD.
101 (BCB) BANTRA CO-OP BANK LTD.
102 (PCO) PUNJAB CO-OP BANK LTD.
103 (LLC) LILUAH CO-OP BANK LTD.
104 (TPC) THANE PEOPLES CO-OP BANK LTD., MUMBAI
105 (JKS) JANAKALYAN SAHAKARI BANK LTD., MUMBAI
106 (MAR) THE MARATHA MANDIR CO-OP BANK LTD., MUMBAI
107 (SSB) THE SATARA SAHAKARI BANK LTD., MUMBAI
108 (SCO) THE SAFE CO-OP BANK LTD., MUMBAI
109 (TJS) THANE JANATA SAHAKARI BANK LTD., MUMBAI.
110 (MLB) THE MUNICIPAL CO-OP BANK LTD., MUMBAI
111 (GPO) GENERAL POST OFFICE
112 (BHR) THE BHARAT CO-OP BANK LTD.
113 (GCU) GUWAHATI CO-OP URBAN BANK LTD.
114 (ICO) INDUSTRIAL CO-OP BANK LTD.
115 (CCB) CITY CO-OP BANK LTD., GUWAHATI`
116 (PJG) PRAGJYOTISH GAONLYA BANK LTD.
117 (ACA) ASSAM CO-OP APEX BANK LTD.
118 (ADC) AHMEDABAD DIST. CO-OP BANK LTD.
120 (APC) AHMEDABAD PEOPLES CO-OP BANK LTD.
122 (GCB) GENERAL CO-OP BANK LTD.
123 (GIC) GUJRATH INDUSTRIAL CO-OP BANK LTD.
124 (GSC) GUJRATH STATE CO-OP BANK LTD.
125 (HSC) HARISIDDH CO-OP BANK LTD.
126 (KCC) KALUPUR COMMERCIAL CO-OP BANK LTD.
127 (MAN) MANEKCHOWK CO-OP BANK LTD.
128 (NNS) NUTAN NAGARIK SAHAKARI BANK LTD
129 (SLC) SHRI LAXMI CO-OP BANK LTD.
130 (SOC) SOCIAL CO-OP BANK LTD.
131 (TTC) TEXTILE TRADERS CO-OP BANK LTD.
132 (VCO) VIJAY CO-OP BANK LTD.
133 (AUC) AHMEDABAD URBAN CO-OP BANK LTD.
134 (BYC) BAGYODAYA CO-OP BANK LTD.
135 (SGP) SARANGPURA CO-OP BANK LTD.
136 (UBC) UNION CO-OP BANK LTD.
137   CITI CO-OP BANK LTD,AHMEDABAD (CCC)
138 (CMC) COLOUR MERCHANTS CO-OP BANK LTD.
139 (NVN) NAVNIRMAN CO-OP BANK LTD.
140 (PRG) PRAGATI CO-OP BANK LTD.
141 (PGM) PROGRESSIVE MERC.CO-OP BANK LTD.
142 (APM) ANDHRAPRADESH MAHESH CO-OP URBAN BANK LTD.
143 (APS) ANDHRA PRADESH STATE CO-OP BANK LTD.
144 (HDC) HYDERABAD DIST. CO-OP CENTRAL BANK LTD.
145 (VCU) VASAVI CO-OP URBAN BANK LTD.
146 (KSA) KARNATAKA STATE CO-OP APEX BANK LTD.
147 (MDP) MADHUPURA MERC.CO-OP BANK LTD.
148 (CCI) BANK OF CR. & COMM. INTERNL.(OVERSEAS)LTD., MUMBAI
149 (PCB) PATAN CO-OP BANK LTD. MUMBAI
150 (BBK) BANK OF BAHRAIN & KUWAIT BSC., MUMBAI
151 (BIS) BANQUE INDOSUEZ, BOMBAY
152 (ASM) ANYONYA SAH. MANDALI CO-OP BANK LTD.
153 (BAR) BARODA CENTRAL CO-OP BANK LTD
154 (BTC) BARODA TRADERS CO-OP BANK LTD.
155 (BPC) BARODA PEOPLES CO-OP BANK LTD.
156 (BCC) BARODA CITY CO-OP BANK LTD.
157 (CBB) CO-OPERATIVE BANK BARODA LTD.
158 (GIC) GUJRATH INDUSTRIAL CO-OP BANK LTD.
159 (MIE) MAKARPURA INDL.EST.CO-OP BANK LTD.
160 (VSB) VARDHAMAN SAH. BANK LTD.
161 (VVC) VEPAR VIKAS CO-OP BANK LTD.
162 (BDI) BARODA DIST. INDL.CO-OP BANK LTD.
163 (PAT) PATNI CO-OP BANK LTD.
164 (CMS) COSMOS CO-OP BANK LTD.
165 (MSL) THE MUSLIM CO-OP BANK LTD.
167 (PNC) PUNE MERCHANTS CO-OP BANK LTD
168 (PNP) PUNE PEOPLES CO-OP BANK LTD.
169 (RPC) RUPEE CO-OP BANK LTD.
170 (SSV) SHREE SUVARNA SAH. BANK LTD.
171 (VID) VIDYA SAH. BANK LTD,PUNE
172 (PHP) PUNE HEAD POST OFFICE
173 (PCC) POONA CONTRACTOR CO-OP BANK LTD.
174 (PZM) PUNE ZILLA MADHYA. SAH. BANK MARYADIT
175 (MHS) MAHESH SAH. BANK LTD.
176 (RTN) RATNAKAR BANK LTD.
177 (KRL) KERALA STATE CO-OP BANK LTD
178 (LKR) LORD KRISHNA BANK LTD.
179 (PRR) PARUR CENTRAL BANK LTD.
180 (TVD) TRIVANDRUM DIST. CO-OP BANK LTD.
181 (NGP) NAGPUR URBAN CO-OP BANK LTD.
182 (SKK) SHIKSHAK SAH. BANK LTD.
183 (NNR) NAGPUR NAG. SAH. BANK LTD.
184 (NNT) NAINITAL BANK LTD.
185 (UPC) U.P. CO-OP BANK LTD.
186 (BNS) BENARAS STATE BANK LTD.
187 (BRC) BAREILLY CORPORATION BANK LTD.
189 (JCC) JAIPUR CENTRAL BANK LTD.
190 (RJS) RAJASTHAN STATE CO-OP BANK LTD.
191 (RSI) RAJASTHAN STATE INDL. CO-OP BANK LTD.
192 (URB) URBAN CO-OP BANK LTD.
193 (PUB) PRUDENTIAL CO-OP URBAN BANK LTD
194 (ACL) AMANATH CO-OP BANK LTD.
195 (VNB) THE VAISH CO-OP NEW BANK LTD.
196 (DNB) DELHI NAGARIK SAH. BANK LTD.
197 (GMC) GRAIN MERCHANTS CO-OP BANK LTD.
198 (TCU) TRIVANDRUM CO-OP URBAN BANK LTD.
199 (CFC) CHITANAVISPURA FRIENDS CO-OP BANK LTD.
200 (DTB) DEUTSCHE BANK
201 (SMM) SHREE MAHALAXMI MER. CO-OP BANK LTD.
202 (PGB) PRAGATI SAHAKARI BANK LTD.
203 (NSB) NUTAN SAHAKARI BANK LTD.
204 (UCB) UNNATI CO-OP BANK LTD.
205 (MSQ) MASHREQ BANK PSC
206 (NDB) NAGPUR DIST. CENTRAL CO-OP BANK LTD.
207 (SAB) SADHANA SAHAKARI BANK LTD.
208 (VAB) VAISH CO-OP ADARSH BANK LTD.
209 (CZC) CITIZEN CO-OP BANK LTD.
210 (OIB) OMAN INTERNATIONAL BANK SAOG
211 (UTI) UTI BANK LTD.
212 (SBL) SANWA BANK LTD.
213 (BSC) BIHAR STATE CO-OP BANK LTD.
214 (MUB) MAHILA UTKARSHA NAGRIK SAH. BANK LTD.
215 (SNB) SARASPUR NAGRIK SAH. BANK
216 (SCL) SABARMATI CO-OPERATIVE BANK LTD.
217 (RNB) RAJKOT NAGRIK SAH. BANK LTD.
218 (OSB) ORISSA STATE CO-OPERATIVE BANK LTD.
219 (PUG) PURI GRAMYA BANK
220 (UCP) URBAN CO-OP BANK LTD.
221 (UBS) UTKAL CO-OP BANKING SOCIETY
222 (APV) A.P. VARDHAMAN (MAHILA) CO-OP BANK LTD.
223 (CCP) CHARMINAR CO-OP BANK
225 (BCO) BANGALORE CITY CO-OP BANK LTD.
226 (AXB) APEX BANK
227 (MCO) MALLESWARAN CO-OP BANK
228 (KIB) KARNATAKA INDUSTRIAL CO-OP BANK LTD.
229 (ICI) I.C.I.C.I. BANKING CORPORATION LTD.
230 (GTB) GLOBAL TRUST BANK LTD.
231 (CLN) CREDIT LYONNAIS
232 (SMC) THE SINDH MERCANTILE CO-OP BANK LTD.
233 (CBL) CENTURION BANK LTD.
234 (IDS) INDUS-IND BANK LTD.
235 (DSB) DOMBIVLI NAG. SAH. BANK LTD.
236 (VNS) VISNAGAR NAGRIK SAH. BANK LTD.
237 (BOP) BANK OF PUNJAB LTD.
238 (BCL) BASSEIN CATHOLIC CO-OP BANK LTD.
239 (NST) THE BANK OF NOVA SCOTIA
240 (HDF) HDFC BANK LTD.
241 (DJC) DIAMOND JUBILEE CO-OP BANK LTD.
242 (PMC) PANCHSHEEL MERCANTILE CO-OP BANK LTD.
243 (RCB) THE RANDER PEOPLES CO-OP BANK LTD.
244 (SDC) SURAT DISTRICT CO-OP BANK LTD.
245 (SMB) SURAT MERCANTILE CO-OP BANK LTD.
246 (SNC) SURAT NATIONAL CO-OP BANK LTD.
247 (SNS) SURAT NAGRIK SAHAKARI BANK LTD.
248 (STT) SURAT TEXTILE TRADERS CO-OP BANK LTD.
249 (SSL) SARVODAYA SAHAKARI BANK LTD.
250 (PCL) PRIME CO-OP BANK LTD.
251 (SPC) SURAT PEOPLES CO-OP BANK LTD.
252 (NMN) NAGPUR MAHILA NAG. SAH. BANK LTD.
253 (TBL) TIMES BANK LTD.
254 (SMN) SURAT MAHILA NAG. SAH. BANK LTD.
255 (ISB) INDRAPRASTHA SAH. BANK LTD.
256 (SVS) SARDAR VALLABHBHAI SAHAKARI BANK LTD.
257 (JBL) JANASEVA SAHAKARI BANK LTD,PUNE
258 (SOB) SIDDI CO-OP BANK LTD, AHMEDABAD
259 (IDB) IDBI BANK LTD.
260 (TCB) THE TEXTILE CO-OP BANK LTD.
261 (MVC) SHRI M. VISVESVASRAYA CO-OP BANK LTD.
262 (DES) DEEPAK SAHAKARI BANK LTD.
263 (MCM) THE MYSORE SILK CLOTH MERCANTS CO-OP BANK LTD.
264 (VAL) VEERASHAIVA CO-OP BANK LTD.
265 (HCB) HANUMANTHANAGAR CO-OP BANK LTD.
266 (RJB) RAJAJINAGAR CO-OP BANK LTD.
267 (MBL) MAHILA CO-OP BANK LTD.
269 (ABC) ABU DHABI COMMERCIAL BANK LTD.
270 (SCB) SURYAPUR CO-OP BANK LTD., SURAT
271 (TCS) THE TEXTILE CO-OP BANK OF SURAT LTD
272 (BSB) BHAGINI NIVEDITA SHA.BANK MARYADIT, PUNE
273 (SKB) SIKKIM BANK LTD.
274 (BHC) THE BHARAT CO-OP BANK LTD., BANGLORE
275 (NCB) THE NATIONAL CO-OP BANK LTD., BANGLORE
276 (SOG) SOCIETE GENERALE
277 (HNS) HINDU NAG.SAH.BANK LTD., INDORE
278 (ICM) INDORE CLOTH MARKET CO-OP BANK LTD,, INDORE
279 (IPS) INDORE PARASPARA SAH. BANK LTD., INDORE
280 (IPC) INDORE PREMIER CO-OP BANK LTD., INDORE
281 (MPB) M.P.RAJYA SAH.BANK LTD., INDORE
282 (MBS) MAHARASHTRA BRAHMAN SAH.BANK LTD., INDORE
283 (NSI) NAGRIK SAH. BANK LTD., INDORE
284 (PSC) PARASPARA SAHAYAK CO-OP BANK LTD., INDORE
285 (SLM) SHUBH-LAXMI MAHILA CO-OP BANK LTD., INDORE
286 (TCL) TRANSPORT CO-OP BANK LTD., INDORE
287 (VAS) VYAPARIK AUDHYOGIK SAH.BANK LTD., INDORE
288 (RBC) RESERVE BANK EMPLOYEES CO-OP BANK LTD., BANGLORE
289 (VCB) THE VARACHHA CO-OP BANK LTD., SURAT
290 (UCC) THE UDHANA CITIZEN CO-OP BANK LTD., SURAT
291 (SHB) THE SHIVAJI-NAGAR CO-OP BANK LTD., PUNE
292 (BBL) SRI BHAGAVTI CO-OP BANK LTD., MANGALORE
293 (MHC) MAHALAKSHMI CO-OP BANK LTD., UDIPI
294 (SGC) SRI GOKARNANATH CO-OP BANK LTD., MANGALORE
295 (MCT) THE MANGALORE CO-OP TOWN BANK LTD., MANGALORE
296 (JCB) JULLUNDER CENTRAL CO-OP BANK LTD., JULLUNDER
297 (CUB) CITIZEN URBAN CO-OP BANK LTD., JULLUNDER
298 (SCC) THE SOUTH CANARA DIST.CENTRAL CO-OP BANK LTD., MANGALORE
299 (DCO) DISTRICT CO-OP BANK LTD., VARANASI
300 (NAG) NAGARIA SAHAKARI BANK LTD., VARANASI
301 (MCL) MANGALORE CATHOLIC CO-OP BANK LTD., MANGALORE
302 (NNC) NARODA NAGRIK CO-OP BANK LTD., NARODA,AHMEDABAD
303 (KMN) KANKARIA MANINAGAR NAG.SAH.BANK LTD., AHMEDABAD-8
304 (KAN) KANGRA CO-OP BANK LTD.
305 (KHB) KHATRI CO-OP URBAN BANK LTD.
306 (MDB) MADURAI DISTRICT CENTRAL CO-OP BANK LTD., MADURAI
307 (PUC) PUNE URBAN CO-OP BANK LTD.
308 (JNS) JHARNESHWAR NAG.SAH.BANK MYDT.,BHOPAL
309 (BHO) BHOPAL CO-OP CENTRAL BANK LTD., BHOPAL
310 (SAD) SADGURU NAG.SAH.BANK MYDT., BHOPAL
311 (HPB) HIMACHAL PRADESH STATE CO-OP BANK LTD.
312 (PJS) PARSIK JANATA SAH.BANK LTD., KALWA-THANE
313 (MUC) MEHSANA URBAN CO-OP BANK LTD., AHMEDABAD
314 (TCC) THE CITY CO-OP BANK LTD., MUMBAI
315 (SCN) SHRI CHHANI NAG. SAH BANK LTD., BARODA
316 (SKS) SHRI KRISHNA SAH. BANK LTD., BARODA
317 (BMB) BARODA MERCANTILE CO-OP BANK LTD.
318 (CCO) COMMERCIAL CO-OP BANK LTD.
319 (SNL) SANKHEDA NAG.SAH. BANK LTD.
320 (MBN) MAHESANA SAMAJ CO-OP BANK LTD.
321 (SSC) SHRI SWAMINARAYAN CO-OP BANK LTD.
322 (ABL) ALAVI CO-OP BANK LTD.
323 (UMB) UMA CO-OP BANK LTD.
324 (DNS) DABHOI NAG.SAH.BANK LTD.
325 (SLB) SULAIMANI CO-OP BANKING SOCIETY LTD.
326 (SRB) SHREE CO-OP BANK LTD.
327 (MSO) MADURA SOURASHTRA CO-OP BANK LTD.,.MADURAI
328 (PMB) PUNJAB AND MAHARASHTRA CO-OP BANK LTD., MUMBAI
329 (JCL) JAIN CO-OP BANK LTD., NEW DELHI
330 (AUB) AKOLA URBAN CO-OP BANK LTD.
331 (BOC) BANK OF CEYLON
332 (SOM) STATE BANK OF MAURITIUS LTD.
333 (ACC) AMRITSAR CENTRAL CO-OP BANK LTD.
334 (GBK) GANESH BANK OF KURUNDWAD LTD., PUNE
335 (VSL) VISHWESHWAR SAHAKARI BANK LTD., PUNE
336 (VBK) VIDISHA-BHOPAL KSHETRIYA GRAMIN BANK, BHOPAL
337 (GAK) GURDASPUR-AMRITSAR KSHETRIYA GRAMIN VIKAS BANK
338 (APX) APEX CO-OP BANK OF URBAN BANKS OF MAHARASHTRA AND GOA LTD.
339 (BNB) BHOPAL NAGRIK SAHAKARI BANK LTD., BHOPAL
340 (AMN) ASTHA MAHILA NAGRIK SAHAKARI BANK MARYADIT
341 (MNS) MAHANAGAR NAGRIK SAHAKARI BANK MARYADIT
342 (VUC) VAISHALI URBAN CO.OP.BANK LTD., JAIPUR
343 (CNS) CHAROTAR NAGARIK BANK LTD.ANAND
344 (TUC) TIRUPATI URBAN CO.OP.BANK LTD. ,NAGPUR
345 (ASB) ABHINAV SAHAKARI BANK LTD., DOMBIVLI,THANE
346 (HSB) HARYANA STATE CO.OP.APEX BANK LTD.
347 (SVB) SHREE VIKAS CO.OP.BANK LTD., SURAT
348 (JNA) JAIPUR NAGAUR AANCHLIK GRAMIN BANK, JAIPUR
349 (SHS) SHRAMIK SAHAKARI BANK LTD., MUMBAI
350 (PSL) PUNJAB STATE CO.OP.BANK LTD.
351 (CSC) CHANDIGARH STATE CO.OP.BANK LTD., CHANDIGARH
352 (SUV) SUVARNAYUG SAHAKARI BANK LTD., PUNE
353 (RSS) RAJARSHI SHAHU SAHAKARI BANK MARYADIT, PUNE
354 (UVS) UDYAM VIKAS SAHAKARI BANK LTD., PUNE
355 (BHA) BHARATI SAHAKARI BANK LTD., PUNE
356 (JMS) JIJAMATA MAHILA SAHAKARI BANK LTD., PUNE
357 (SJM) SHREE SADGURU JANGALI MAHARAJ SAHAKARI BANK LTD., PUNE
358 (SHA) SHREE SHARDA SAHAKARI BANK LTD., PUNE
359 (RCC) ROPAR CENTRAL CO.OP.BANK LTD.,ROPAR, CHANDIGARH
360 (GSB) GANDHIBAG SAHAKARI BANK LTD., NAGPUR
361 (JCB) JANATA CO-OP. BANK LTD., DELHI
362 (BMI) BANK MUSCAT INTERNATIONAL SAOG
363 (KML) KRISHNA MERCANTILE CO-OP BANK LTD., BHOPAL
364 (AJC) AKOLA JANATA COMMERCIAL CO-OP. BANK LTD., AKOLA
365 (SUC) SHRIRAM URBAN CO-OP. BANK LTD., NAGPUR
366 (PES) PARMATMA EK SEVAK NAGRIK SAHAKARI BANK LTD., NAGPUR
367 (KJS) KALYAN JANATA SAHAKARI BANK LTD., KALYAN
368 (MMS) MITRA-MANDAL SAHAKARI BANK LTD., INDORE
369 (NMC) NASIK MERCHANTS CO-OP. BANK LTD., NASIK
370 (NPC) NASIK PEOPLES CO-OP.BANK LTD., NASIK
371 (NZM) NASIK JILHA MAHILA SAHAKARI BANK LTD., NASIK
372 (NDC) NASIK DISTRICT CENTRAL CO-OP. BANK LTD., NASIK
373 (JCS) JANALAXMI CO-OP. BANK LTD., NASIK
374 (NRD) NASIK ROAD DEOLALI VYAPARI SAH.BANK LTD., NASIK ROAD
375 (SHR) SHREE SAMARTH SAHAKARI BANK LTD., NASIK
376 (GUC) GODAVARI URBAN CO-OP.BANK LTD., NASIK
377 (NDI) NASIK DISTRICT INDUSTRIAL & MERCANTILE CO-OP. BANK LTD., NASIK
378 (SOL) SHRIRAM SAHAKARI BANK MARYADIT, NASIK
379 (LCC) LUDHIANA CENTRAL CO-OP. BANK LTD., LUDHIANA
380 (TAP) TAPI CO-OP. BANK LTD, SURAT
381 (NJM) NASIK JILHA MAHILA VIKAS SAHAKARI BANK LTD., NASIK
382 (SVL) SHREE SINNAR VYAPARI SAHAKARI BANK, LTD., SINNAR
383 (CIZ) THE CITIZEN CO-OP. BANK LTD., NEW DELHI
384 (TRC) TRICHUR URBAN CO-0P. BANK LTD., TRICHUR
385 (IMC) INDIAN MERCANTILE CO-OP. BANK LTD., LUCKNOW
386 (I J S) ICHALKARANJI JANATA SAHAKARI BANK LTD., KOLHAPUR
387 (KDC) KOLHAPUR DISTRICT CENTRAL CO-OP. BANK LTD., KOLHAPUR
388 (KJB) KOLHAPUR JANATA SAHAKARI BANK LTD., KOLHAPUR
389 (MAH) SHRI MAHALAXMI CO-OP. BANK LTD., KOLHAPUR
390 (STC) STATE TRANSPORT CO-OP. BANK LTD., MUMBAI
391 (SHI) SHRI SHAHU CO-OP.BANK LTD., KOLHAPUR
392 (BAL) SHRI BALBHIM CO-OP. BANK LTD., KOLHAPUR
393 (YDC) YOUTH DEVELOPMENT CO-OP.BANK LTD., KOLHAPUR
394 (AJU) THE AJARA URBAN CO-OP. BANK LTD. AJARA,,KOLHAPUR
395 (CHO) CHAUNDESHWARI CO-OP. BANK LTD., KOLHAPUR
396 (SDS) SHRIPATRAO DADA SAHAKARI BANK LTD., KOLHAPUR
397 (WSB) SHRI WARANA SAH. BANK LTD. WARANA NAGAR
398 (KUC) KOLHAPUR URBAN CO-OP. BANK LTD., KOLHAPUR
399 (KMB) KOLHAPUR MARATHA CO-OP. BANK LTD., KOLHAPUR
400   THE RAVI CO-OP. BANK LTD., KOLHAPUR (RCL)
401 (KOM) KOLHAPUR MAHILA SAHAKARI BANK LTD., KOLHAPUR
402 (PNS) SHREE PANCHGANGA NAGARI SAHA. BANK LTD., KOLHAPUR
403 (VAD) THE VADGAON URBAN CO-OP. BANK LTD., KOLHAPUR
404 (GUB) GADHINGLAJ URBAN C0-OP. BANK LTD.
405 (IUC) THE ICHALKARANJI URBAN CO-OP. BANK LTD., ICHALKARANJI
406 (JSA) JANATA SAHAKARI BANK LTD., AJARA, KOLHAPUR
407 (SHV) SHRI VEERSHAIV CO-OP. BANK LTD. KOLHAPUR
408 (COC) THE COMMERCIAL CO-OP. BANK LTD., KOLHAPUR
409 (NAT) THE NATIONAL CO-OP. BANK LTD., MUMBAI
410 (JAM ) JAMIA CO-OP. BANK LTD., NEW DELHI
411 (TAI) THE TAMILNADU INDUSTRIAL CO-OP. BK. LTD., CHENNAI
412 (SEV) THE SEVA VIKAS C0-0P. BANK LTD., PUNE
413 (BUC) BICHOLIM URBAN C0-0P. BANK LTD., BICHOLIM, GOA
414 (GPU) GOAN PEOPLE’S URBAN CO-OP.BANK LTD., PANAJI, GOA
415 (GOS) GOA STATE CO-OP. BANK LTD., PANAJI
416 (GOU) GOA URBAN CO-OP. BANK LTD., PANAJI
417 (MAD) MADGAUM URBAN CO-OP. BANK LTD., PANAJI
418 (MAP) MAPUSA URBAN CO-OP. BANK LTD., MAPUSA, GOA
419 (FCB) FINANCIAL CO-OPEQRTIVE BANK LTD., SURAT
420 (ASL) APNI SAHAKARI BANK LTD., AHMEDABAD
421 (BAV) BAVLA NAGRIK SAHAKARI BANK LTD., AHMEDABAD
422 (UCL) UNITED CO-OP. BANK LTD., AHMEDABAD
423 (PAN) PANDYAN GRAMA BANK, MADURAI
424 (RNS) RAJDHANI NAGAR SAHAKARI BANK LTD., LUCKNOW
425 (SSN) SRI SATYA SAI NAGRIK SAHAKARI BANK MARYADIT, BHOPAL
426 (STE) STERLING URBAN CO-OP. BANK LTD., JAIPUR
427 (MUL) MADURAI URBAN CO-OP. BANK LTD., MADURAI
428 (STB) STANDARD CO-OP. BANK LTD., AHMEDABAD
429 (SIC) SACHIN INDUSTRIAL CO-OP. BANK LTD., SURAT
430 (ADA) ADAJAN NAGRIK SAHAKARI BANK LTD., SURAT
431 (ROY) ROYALE CO-OP. BANK LTD., SURAT
432 (ADI) ADINATH CO-OP. BANK LTD., SURAT
433 (SAM) SAMATA SAHAKARI BANK LTD., NAGPUR
434 (KUK) KUKARWADA NAGRIK SAHAKARI BANK LTD., AHMEDABAD
435 (CEN) THE CENTURY CO-OP. BANK LTD., SURAT
436 (MET) THE METRO CO-OP. BANK LTD., SURAT
437 (AAC) AKHANDA ANAND CO-OP. BANK LTD., SURAT
438 (ABE) THE ANDHRA BANK EMPLOYEES’ CO-OP. BANK LTD., HYDERABAD
439 (RCO) ROYAL CO-OP. BANK LTD., AHMEDABAD
440 (CTY) CITY CO-OP. BANK LTD., LUCKNOW
441 (CBR) CO-OP. BANK OF RAJKOT LTD.
442 (DHA) SHREE DHARATI CO-OP. BANK LTD., RAJKOT
443 (JIV) JIVAN COMMERCIAL CO-OP. BANK LTD., RAJKOT
444 (RMN) RAJKOT MAHILA NAGRIK SAHAKARI BANK LTD., RAJKOT
445 (RPB) RAJKOT PEOPLES’ CO-OP. BANK LTD., RAJKOT
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