If you are searching for the IFSC code of Bank of Maharashtra, HOUSING FINANCE BRANCH GUWAHATI branch in GUWAHATI, ASSAM, this page has every detail you need. The verified IFSC code for this branch is MAHB0002712. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the HOUSING FINANCE BRANCH GUWAHATI branch, and detailed step-by-step guides for using the IFSC MAHB0002712 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 GUWAHATI is MAHB0002712. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002712 map to this branch in GUWAHATI, ASSAM.
About Bank of Maharashtra
Bank of Maharashtra operates a wide network of branches across India, including the Housing Finance Branch Guwahati branch in Guwahati. 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, MAHB0002712.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Housing Finance Branch Guwahati |
| IFSC Code | MAHB0002712 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROND FLOOR, OPPOSITE SPECTRUM HONDA, NH-37, BETKUCHI, GUWAHATI, DIST. - GUWAHATI, ASSAM - 781040 |
| City | Guwahati |
| District | Kamrup Metropolitan |
| State | Assam |
| STD Code | 91 |
| Phone | 7099073810 |
About the Housing Finance Branch Guwahati branch
The Housing Finance Branch Guwahati branch of Bank of Maharashtra is situated at GROND FLOOR, OPPOSITE SPECTRUM HONDA, NH-37, BETKUCHI, GUWAHATI, DIST. - GUWAHATI, ASSAM - 781040. 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 MAHB0002712 is used.
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 GUWAHATI branch came to be assigned the code MAHB0002712.
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 MAHB0002712, money simply cannot be routed to the HOUSING FINANCE BRANCH GUWAHATI branch electronically.
Products and account variants supported
Every account opened at the Housing Finance Branch Guwahati branch is mapped to IFSC MAHB0002712 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 MAHB0002712.
Banking services available
The Housing Finance Branch Guwahati branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7099073810.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC MAHB0002712
How to transfer money using IFSC MAHB0002712
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 MAHB0002712 across all three.
How to use IFSC MAHB0002712 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 GUWAHATI 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 MAHB0002712.
- Confirm the bank name auto-populates as Bank of Maharashtra and the branch as HOUSING FINANCE BRANCH GUWAHATI.
- 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 GUWAHATI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's HOUSING FINANCE BRANCH GUWAHATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0002712 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Maharashtra HOUSING FINANCE BRANCH GUWAHATI (IFSC MAHB0002712)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0002712 in your mobile or internet banking app, and the money is credited to the HOUSING FINANCE BRANCH GUWAHATI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Housing Finance Branch Guwahati
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 MAHB0002712:
- 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 GUWAHATI is still linked to IFSC MAHB0002712.
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 MAHB0002712
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 GUWAHATI is still mapped to IFSC MAHB0002712. 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 MAHB0002712 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Housing Finance Branch Guwahati branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC MAHB0002712 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Housing Finance Branch Guwahati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0002712 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 GUWAHATI:
- The IFSC is exactly MAHB0002712 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 GUWAHATI 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.
How to reach the Housing Finance Branch Guwahati branch
The branch is located at GROND FLOOR, OPPOSITE SPECTRUM HONDA, NH-37, BETKUCHI, GUWAHATI, DIST. - GUWAHATI, ASSAM - 781040, which puts it inside Guwahati, the broader Kamrup Metropolitan district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Maharashtra Housing Finance Branch Guwahati branch” — the verified location pin for IFSC MAHB0002712 should appear at the top of the results.
- Confirm the branch is open by calling 91-7099073810 before stepping out, especially around public holidays.
- 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 MAHB0002712 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC MAHB0002712 for Bank of Maharashtra – HOUSING FINANCE BRANCH GUWAHATI, 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.
Working hours
Branch counters at Housing Finance Branch Guwahati 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 MAHB0002712 continue to work without interruption.
Branch address & contact
Bank of MaharashtraHousing Finance Branch Guwahati Branch
GROND FLOOR, OPPOSITE SPECTRUM HONDA, NH-37, BETKUCHI, GUWAHATI, DIST. - GUWAHATI, ASSAM - 781040
Guwahati, Assam
Phone: 91-7099073810
IFSC: MAHB0002712
Frequently asked questions
How do I add Bank of Maharashtra Housing Finance Branch Guwahati as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0002712, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Guwahati branch but serve different purposes.
Is IFSC MAHB0002712 the same for all accounts at Housing Finance Branch Guwahati branch?
Yes. The IFSC MAHB0002712 is shared by every account held at Bank of Maharashtra's Housing Finance Branch Guwahati branch. Only the account number changes from customer to customer.
Can I use IFSC MAHB0002712 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0002712 to send funds instantly.
How quickly will an NEFT transfer using MAHB0002712 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Housing Finance Branch Guwahati reflect within 30 minutes.
Does Bank of Maharashtra Housing Finance Branch Guwahati branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7099073810 to confirm.
Final notes
To recap: MAHB0002712 is the IFSC code of Bank of Maharashtra, HOUSING FINANCE BRANCH GUWAHATI branch, in GUWAHATI, ASSAM. 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.
