Below are the complete branch details for Bank of Maharashtra, MAHANAGAR branch, located in LUCKNOW, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is MAHB0002638. 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 MAHB0002638 for Bank of Maharashtra – MAHANAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – MAHANAGAR is MAHB0002638. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002638 map to this branch in LUCKNOW, UTTAR PRADESH.
About Bank of Maharashtra
Bank of Maharashtra operates a wide network of branches across India, including the Mahanagar branch in Lucknow. 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, MAHB0002638.
Mahanagar branch overview
Located at B-758, NEAR WIRELESS CHAURAHA, MAHANAGAR, LUCKNOW, DISTRICT-LUCKNOW, UTTAR PRADESH-226006, the Mahanagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0002638 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Mahanagar |
| IFSC Code | MAHB0002638 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B-758, NEAR WIRELESS CHAURAHA, MAHANAGAR, LUCKNOW, DISTRICT-LUCKNOW, UTTAR PRADESH-226006 |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 7311182638 |
Why every Bank of Maharashtra branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MAHANAGAR of Bank of Maharashtra — its own 11-character IFSC. The code MAHB0002638 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC MAHB0002638 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Mahanagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0002638 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 MAHB0002638
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 MAHB0002638 across all three.
NEFT to Bank of Maharashtra, MAHANAGAR using IFSC MAHB0002638
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 MAHB0002638, and confirm that the system picks up Bank of Maharashtra – MAHANAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC MAHB0002638
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 – MAHANAGAR, ensure your bank's portal accepts IFSC MAHB0002638 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Maharashtra – MAHANAGAR, use IMPS. With IFSC MAHB0002638 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 MAHB0002638 for Bank of Maharashtra – MAHANAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – MAHB0002638 | Yes – MAHB0002638 | Yes – MAHB0002638 |
For most retail customers crediting the Mahanagar 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 MAHB0002638
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 – MAHANAGAR is still mapped to IFSC MAHB0002638. 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 MAHB0002638 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mahanagar branch is mapped to IFSC MAHB0002638 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 MAHB0002638.
Banking services available
The Mahanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7311182638.
- 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 MAHB0002638
Digital banking channels
Most day-to-day work that customers used to do at the Mahanagar 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 MAHB0002638 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.
How to reach the Mahanagar branch
The branch is located at B-758, NEAR WIRELESS CHAURAHA, MAHANAGAR, LUCKNOW, DISTRICT-LUCKNOW, UTTAR PRADESH-226006, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Maharashtra Mahanagar branch” — the verified location pin for IFSC MAHB0002638 should appear at the top of the results.
- Confirm the branch is open by calling 91-7311182638 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 MAHB0002638 and your account number.
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 – MAHANAGAR:
- The IFSC is exactly MAHB0002638 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 MAHANAGAR 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Mahanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHB0002638, however, work 24x7.
Verifying IFSC MAHB0002638 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 MAHB0002638 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7311182638.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of MaharashtraMahanagar Branch
B-758, NEAR WIRELESS CHAURAHA, MAHANAGAR, LUCKNOW, DISTRICT-LUCKNOW, UTTAR PRADESH-226006
Lucknow, Uttar Pradesh
Phone: 91-7311182638
IFSC: MAHB0002638
Frequently asked questions
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 Mahanagar branch but serve different purposes.
What is the IFSC code of Bank of Maharashtra Mahanagar branch?
The IFSC code of Bank of Maharashtra, Mahanagar branch is MAHB0002638. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC MAHB0002638 the same for all accounts at Mahanagar branch?
Yes. The IFSC MAHB0002638 is shared by every account held at Bank of Maharashtra's Mahanagar branch. Only the account number changes from customer to customer.
Does Bank of Maharashtra Mahanagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7311182638 to confirm.
What is the phone number of Bank of Maharashtra Mahanagar branch?
You can reach the branch at 91-7311182638 during regular banking hours.
Can I use IFSC MAHB0002638 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0002638 to send funds instantly.
How do I add Bank of Maharashtra Mahanagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0002638, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using MAHB0002638 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Mahanagar reflect within 30 minutes.
Final notes
To recap: MAHB0002638 is the IFSC code of Bank of Maharashtra, MAHANAGAR branch, in LUCKNOW, UTTAR PRADESH. 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.
