Lowar Mall — Nainital Bank, Almora

About Lowar Mall Branch — Nainital Bank

The Lowar Mall branch of Nainital Bank is located at Lower Mall Road ,Almora, 263601, Uttarakhand, Almora, Uttarakhand. This branch is registered on the Reserve Bank of India's NEFT and RTGS participant network, with IFSC code NTBL0ALM082. All three banking codes — IFSC, MICR and BSR — are displayed above with copy-to-clipboard buttons for error-free use in online transfers, cheque mandates and income tax filings.

Branch Working Hours

Lowar Mall, Nainital Bank follows standard RBI-prescribed banking hours: Monday to Friday, 10:00 AM to 4:00 PM, and on the 1st, 3rd and 5th Saturdays of each month. The branch is closed on 2nd and 4th Saturdays, Sundays and RBI-declared bank holidays. Cash counters typically close around 3:00 PM — non-cash services continue until 4:00 PM. Contact the branch before visiting to confirm timings or service availability.

How to Get Directions to Lowar Mall

Click the Get Directions button above — it opens Google Maps pre-filled with this branch's RBI-verified address: Lower Mall Road ,Almora, 263601, Uttarakhand, Almora, Uttarakhand. On mobile, it launches the Maps app with turn-by-turn navigation. On desktop, it opens the route in Google Maps in your browser. No account or app download required.

Banking Codes for Lowar Mall, Nainital Bank

Three separate codes identify this branch across different banking systems. They cannot be interchanged — each serves a different purpose:

• IFSC NTBL0ALM082 — Use for NEFT transfers (half-hourly batch, 24×7, any amount), RTGS payments above ₹2 lakh (real-time), IMPS (instant, 24×7), and linking your Nainital Bank account to UPI apps like PhonePe, Google Pay and BHIM. Also required for net banking beneficiary registration. Find more Nainital Bank codes at our IFSC directory for Almora.
• MICR 263184082 — Printed at the bottom of your Nainital Bank cheque leaf in magnetic ink. Required for CTS cheque clearing, ECS auto-debit mandates for utilities and insurance, and NACH mandate setup for SIP mutual fund investments and loan EMI auto-debit. Find more at our MICR directory for Almora.

What to Carry When Visiting This Branch

For most services at Lowar Mall, Nainital Bank, carry a government-issued photo ID (Aadhaar, PAN, Passport or Voter ID), proof of current address if different from your ID document, 2–4 recent passport-size photographs and your existing account passbook or debit card. For cash transactions above ₹50,000, PAN card is mandatory per RBI KYC guidelines. For TDS challan payments, bring the completed challan form and BSR code from this branch pre-filled.

How NEFT, RTGS and IMPS Work at Lowar Mall

Every electronic fund transfer sent to an account held at Lowar Mall relies on IFSC code NTBL0ALM082 to route money correctly. Here is how each transfer type works:

• NEFT — National Electronic Funds Transfer: Settles in half-hourly batches, available 24×7 including Sundays and bank holidays since December 2019. There is no minimum or maximum amount. The sender enters the recipient's account number and IFSC NTBL0ALM082. The Reserve Bank of India validates the code, batches the transfer and credits the Lowar Mall account at the next half-hour mark. End-to-end, the process takes 30 minutes to 2 hours during normal conditions.
• RTGS — Real Time Gross Settlement: Minimum ₹2 lakh. Settles in real time — each transaction is processed individually and funds arrive in the recipient's account at Lowar Mall within minutes, not batches. Available 7:00 AM to 6:00 PM on RBI working days. Use RTGS for high-value property payments, business transfers and inter-bank corporate settlements where speed is critical.
• IMPS — Immediate Payment Service: Operated by NPCI, IMPS settles within seconds, 24×7, 365 days a year — including bank holidays and closed Saturdays. Maximum ₹5 lakh per transaction. IMPS is the best option for urgent transfers when the branch is closed or for sending money during weekends and public holidays when RTGS is unavailable.

All three systems require the recipient's account number and the IFSC code of Lowar Mall — not the bank's head office IFSC or any other branch's code. An incorrect IFSC causes immediate rejection in NEFT and RTGS, or routing to the wrong branch in rare edge cases. Always copy the IFSC using the button above to avoid transcription errors.

Linking Your Nainital Bank Account to UPI at Lowar Mall

If your account is held at Lowar Mall, here is how to link it to any UPI app — PhonePe, Google Pay, Paytm or BHIM — in under 2 minutes:

1. Open your UPI app and navigate to "Add bank account" or "Link account".
2. Select Nainital Bank from the bank list. The app will auto-detect your mobile number registered with the bank.
3. Verify via OTP — the app sends an OTP to your Nainital Bank-registered mobile number to confirm your account.
4. Account linked — the app validates your account against IFSC NTBL0ALM082 in the background. You do not need to enter the IFSC manually during this step.
5. Set your UPI PIN — a 4 or 6-digit PIN using your debit card's last 6 digits and expiry date.

Once linked, your Nainital Bank account at Lowar Mall is accessible via your UPI VPA (e.g. yourname@nainitalbank). The IFSC is only needed during this initial registration — not for individual UPI payments thereafter. If the UPI app fails to detect your account automatically, ensure your mobile number is updated with Lowar Mall. You can do this by visiting the branch with your passbook and Aadhaar card.

Common Mistakes to Avoid When Visiting Lowar Mall

A little planning before your visit saves a wasted trip. These are the most common mistakes people make when visiting bank branches — and how to avoid them at Lowar Mall:

• Visiting on a closed Saturday: Banks are shut on the 2nd and 4th Saturdays of every month. Check the date before heading out — if it's the 2nd or 4th Saturday, the branch will be locked. Check the branch phone number on this page if you are unsure. ATMs and digital services remain available 24×7.
• Going to the wrong branch for home-branch-only services: Services like safe deposit locker access, account closure and certain KYC procedures must be done at your home branch. If Lowar Mall is not your home branch, call ahead to confirm the service is available there before visiting.
• Missing documents: No branch visit can proceed without valid photo ID and proof of address. For new accounts, PAN card is mandatory. For high-value cash transactions above ₹50,000, PAN is required by RBI regulation. Arriving without the right documents means a second trip.
• Arriving after 3:00 PM for cash transactions: Cash counters at most Nainital Bank branches — including Lowar Mall — close around 3:00 PM even though the branch remains open until 4:00 PM. Non-cash services like account queries, KYC and document submission continue until closing time.
• Using an old IFSC after a bank merger: If Nainital Bank was involved in a merger, some legacy IFSC codes may have been deactivated. Always use the IFSC code displayed on this page — it reflects the current active record from RBI's NEFT participant database as of Jun 2026.
• Not accounting for beneficiary cooling period: If you plan to transfer money to a newly added beneficiary at this branch, note that most banks enforce a 30-minute to 24-hour cooling period after adding a new payee before the first transfer is allowed. Add the beneficiary at least one business day in advance for time-sensitive payments.

Other Nainital Bank Branches in Almora

If this branch is not convenient for your visit, browse all Nainital Bank branches in Almora to find the one closest to you. For other cities in Uttarakhand, visit the Nainital Bank branch directory for Uttarakhand. For other banks, use the Bank Branch Locator homepage. To check bank holidays before planning a visit, or to calculate your loan repayment, try the free EMI Calculator.