IFSC Code of Bank of Maharashtra, Gandai Branch, Chhattisgarh

Below are the complete branch details for Bank of Maharashtra, GANDAI branch, located in GANDAI, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is MAHB0000634. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case MAHB0000634 for Bank of Maharashtra – GANDAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Maharashtra's GANDAI branch, the IFSC MAHB0000634 breaks down as follows: MAHB identifies the bank, 0 is the reserved character, and 000634 identifies this particular branch.

About the bank

Bank of Maharashtra serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gandai branch in Gandai, Chhattisgarh is part of this network and uses the IFSC code MAHB0000634 for all electronic settlement.

About the Gandai branch

The Gandai branch of Bank of Maharashtra is situated at AT AND POST GANDAI,KHAIRAGARH TEHSILPOST GANDAI,KHAIRAGARH TEHSIL. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code MAHB0000634 is used.

Branch details at a glance

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 GANDAI branch came to be assigned the code MAHB0000634.

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 MAHB0000634, money simply cannot be routed to the GANDAI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Gandai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0000634 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC MAHB0000634

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 MAHB0000634 across all three.

How to use IFSC MAHB0000634 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's GANDAI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MAHB0000634.
4. Confirm the bank name auto-populates as Bank of Maharashtra and the branch as GANDAI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MAHB0000634

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Maharashtra – GANDAI, ensure your bank's portal accepts IFSC MAHB0000634 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Maharashtra – GANDAI, use IMPS. With IFSC MAHB0000634 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 Gandai

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 MAHB0000634:

• 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 GANDAI is still linked to IFSC MAHB0000634.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Maharashtra's GANDAI branch, the IFSC MAHB0000634 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Gandai branch is mapped to IFSC MAHB0000634 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 MAHB0000634.

Products and services

Customers walking into the Gandai 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 MAHB0000634

Online banking and IFSC MAHB0000634

Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the GANDAI 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 MAHB0000634 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.

How to reach the Gandai branch

The branch is located at AT AND POST GANDAI,KHAIRAGARH TEHSILPOST GANDAI,KHAIRAGARH TEHSIL, which puts it inside Gandai, the broader Khairagarh-Chhuikhadan-Gandai district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Maharashtra Gandai branch” — the verified location pin for IFSC MAHB0000634 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9109620634 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC MAHB0000634 and your account number.

Common mistakes to avoid when using IFSC MAHB0000634

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of Maharashtra – GANDAI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: MAHB0000634.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Gandai 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 MAHB0000634 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHB0000634 for Bank of Maharashtra – GANDAI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHB0000634 is the IFSC code of Bank of Maharashtra, GANDAI branch, in GANDAI, CHHATTISGARH. 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.