IFSC Code of Bank of Maharashtra, Kagal-Main Road Branch, Maharashtra

Use this page as a one-stop reference for everything related to Bank of Maharashtra's KAGAL-MAIN ROAD branch in KAGAL, MAHARASHTRA. The branch's IFSC code MAHB0000412 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 – KAGAL-MAIN ROAD is MAHB0000412. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000412 map to this branch in KAGAL, MAHARASHTRA.

About the bank

Bank of Maharashtra serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kagal-Main Road branch in Kagal, Maharashtra is part of this network and uses the IFSC code MAHB0000412 for all electronic settlement.

Branch details at a glance

Kagal-Main Road branch overview

Located at 144 J.R.PATIL BUILDING, MAIN ROAD, KAGAL, the Kagal-Main Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0000412 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 KAGAL-MAIN ROAD branch came to be assigned the code MAHB0000412.

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 MAHB0000412, money simply cannot be routed to the KAGAL-MAIN ROAD branch electronically.

Account types you can open at the Kagal-Main Road branch

Once you have an account at Bank of Maharashtra – KAGAL-MAIN ROAD, the IFSC MAHB0000412 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Kagal-Main Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2325-244059.

• 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 MAHB0000412

How to transfer money using IFSC MAHB0000412

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 MAHB0000412 across all three.

NEFT to Bank of Maharashtra, KAGAL-MAIN ROAD using IFSC MAHB0000412

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC MAHB0000412, and confirm that the system picks up Bank of Maharashtra – KAGAL-MAIN ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAGAL-MAIN ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's KAGAL-MAIN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0000412 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 – KAGAL-MAIN ROAD, use IMPS. With IFSC MAHB0000412 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MAHB0000412 for Bank of Maharashtra – KAGAL-MAIN ROAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Kagal-Main Road branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC MAHB0000412

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 – KAGAL-MAIN ROAD is still mapped to IFSC MAHB0000412. 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 MAHB0000412 and the beneficiary's account number to complete the transfer.

Online banking and IFSC MAHB0000412

Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the KAGAL-MAIN ROAD 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 MAHB0000412 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.

MICR & cheque-truncation details

Cheques drawn on the Kagal-Main Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0000412 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC MAHB0000412

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 – KAGAL-MAIN ROAD, 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: MAHB0000412.
• 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.

Reaching the branch

The Kagal-Main Road branch sits at 144 J.R.PATIL BUILDING, MAIN ROAD, KAGAL. If you are travelling from outside Kagal, search for the branch on a maps application using the bank name and locality, or call 2325-244059 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 MAHB0000412 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHB0000412 for Bank of Maharashtra – KAGAL-MAIN ROAD, 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 Kagal-Main Road 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 MAHB0000412 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MAHB0000412 belongs to Bank of Maharashtra's KAGAL-MAIN ROAD branch, located at 144 J.R.PATIL BUILDING, MAIN ROAD, KAGAL in KAGAL, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.