Use this page as a one-stop reference for everything related to Bank of Maharashtra's HOUSING FINANCE BRANCH ERNAKULAM branch in ERNAKULAM, KERALA. The branch's IFSC code MAHB0002392 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Bank of Maharashtra – HOUSING FINANCE BRANCH ERNAKULAM is MAHB0002392. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002392 map to this branch in ERNAKULAM, KERALA.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Housing Finance Branch Ernakulam |
| IFSC Code | MAHB0002392 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, MASTERS TOWER, PIPELINE JUNCTION, CIVIL LINE ROAD, PALARIVATTOM, ERNALULAM DIST - ERNAKULAM-682025 |
| City | Ernakulam |
| District | Ernakulam |
| State | Kerala |
| STD Code | 91 |
| Phone | 7907304774 |
About Bank of Maharashtra
Bank of Maharashtra operates a wide network of branches across India, including the Housing Finance Branch Ernakulam branch in Ernakulam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, MAHB0002392.
Housing Finance Branch Ernakulam branch overview
Located at GROUND FLOOR, MASTERS TOWER, PIPELINE JUNCTION, CIVIL LINE ROAD, PALARIVATTOM, ERNALULAM DIST - ERNAKULAM-682025, the Housing Finance Branch Ernakulam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0002392 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Maharashtra's HOUSING FINANCE BRANCH ERNAKULAM branch came to be assigned the code MAHB0002392.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC MAHB0002392, money simply cannot be routed to the HOUSING FINANCE BRANCH ERNAKULAM branch electronically.
How to transfer money using IFSC MAHB0002392
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC MAHB0002392 across all three.
How to use IFSC MAHB0002392 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's HOUSING FINANCE BRANCH ERNAKULAM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC MAHB0002392.
- Confirm the bank name auto-populates as Bank of Maharashtra and the branch as HOUSING FINANCE BRANCH ERNAKULAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to HOUSING FINANCE BRANCH ERNAKULAM
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's HOUSING FINANCE BRANCH ERNAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0002392 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Maharashtra – HOUSING FINANCE BRANCH ERNAKULAM, use IMPS. With IFSC MAHB0002392 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Housing Finance Branch Ernakulam
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC MAHB0002392:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at HOUSING FINANCE BRANCH ERNAKULAM is still linked to IFSC MAHB0002392.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC MAHB0002392
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of Maharashtra – HOUSING FINANCE BRANCH ERNAKULAM is still mapped to IFSC MAHB0002392. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC MAHB0002392 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Housing Finance Branch Ernakulam branch is mapped to IFSC MAHB0002392 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Maharashtra, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains MAHB0002392.
Products and services
Customers walking into the Housing Finance Branch Ernakulam branch can access most of Bank of Maharashtra's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC MAHB0002392
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Bank of Maharashtra carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MAHB0002392 and the account number together uniquely identify the Housing Finance Branch Ernakulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC MAHB0002392
Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the HOUSING FINANCE BRANCH ERNAKULAM branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC MAHB0002392 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Maharashtra – HOUSING FINANCE BRANCH ERNAKULAM:
- The IFSC is exactly MAHB0002392 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Bank of Maharashtra as the bank name and HOUSING FINANCE BRANCH ERNAKULAM as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Housing Finance Branch Ernakulam branch sits at GROUND FLOOR, MASTERS TOWER, PIPELINE JUNCTION, CIVIL LINE ROAD, PALARIVATTOM, ERNALULAM DIST - ERNAKULAM-682025. If you are travelling from outside Ernakulam, search for the branch on a maps application using the bank name and locality, or call 91-7907304774 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC MAHB0002392 and your account number.
Verifying IFSC MAHB0002392 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm MAHB0002392 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7907304774.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Housing Finance Branch Ernakulam are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to MAHB0002392 continue to work without interruption.
Branch address & contact
Bank of MaharashtraHousing Finance Branch Ernakulam Branch
GROUND FLOOR, MASTERS TOWER, PIPELINE JUNCTION, CIVIL LINE ROAD, PALARIVATTOM, ERNALULAM DIST - ERNAKULAM-682025
Ernakulam, Kerala
Phone: 91-7907304774
IFSC: MAHB0002392
Frequently asked questions
Is IFSC MAHB0002392 the same for all accounts at Housing Finance Branch Ernakulam branch?
Yes. The IFSC MAHB0002392 is shared by every account held at Bank of Maharashtra's Housing Finance Branch Ernakulam branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using MAHB0002392 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Housing Finance Branch Ernakulam reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Housing Finance Branch Ernakulam branch but serve different purposes.
What is the phone number of Bank of Maharashtra Housing Finance Branch Ernakulam branch?
You can reach the branch at 91-7907304774 during regular banking hours.
How do I add Bank of Maharashtra Housing Finance Branch Ernakulam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0002392, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of Maharashtra Housing Finance Branch Ernakulam branch?
The IFSC code of Bank of Maharashtra, Housing Finance Branch Ernakulam branch is MAHB0002392. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC MAHB0002392 valid for NEFT and RTGS?
Yes. IFSC MAHB0002392 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: MAHB0002392 is the IFSC code of Bank of Maharashtra, HOUSING FINANCE BRANCH ERNAKULAM branch, in ERNAKULAM, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
