Below are the complete branch details for Bank of Maharashtra, HOUSING FINANCE BRANCH LUDHIANA branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is MAHB0002666. 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 MAHB0002666 for Bank of Maharashtra – HOUSING FINANCE BRANCH LUDHIANA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, MAHB0002666 is the IFSC of Bank of Maharashtra's HOUSING FINANCE BRANCH LUDHIANA branch. The format is fixed: MAHB = bank code, 0 = reserved, 002666 = branch identifier.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Housing Finance Branch Ludhiana |
| IFSC Code | MAHB0002666 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, JAI KARTAR BHAWAN, NEAR CIRCUIT HOUSE, FEROZPUR ROAD, LUDHIANA, DISTRICT-LUDHIANA, PUNJAB-141001 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 91 |
| Phone | 9115510546 |
Bank profile
Bank of Maharashtra is among the recognised banks listed on the Reserve Bank of India's payments network. The Housing Finance Branch Ludhiana branch — IFSC MAHB0002666 — extends the bank's services to customers in and around Ludhiana, Punjab.
About the Housing Finance Branch Ludhiana branch
The Housing Finance Branch Ludhiana branch of Bank of Maharashtra is situated at GROUND FLOOR, JAI KARTAR BHAWAN, NEAR CIRCUIT HOUSE, FEROZPUR ROAD, LUDHIANA, DISTRICT-LUDHIANA, PUNJAB-141001. 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 MAHB0002666 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 LUDHIANA branch came to be assigned the code MAHB0002666.
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 MAHB0002666, money simply cannot be routed to the HOUSING FINANCE BRANCH LUDHIANA branch electronically.
How to transfer money using IFSC MAHB0002666
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 MAHB0002666 across all three.
How to use IFSC MAHB0002666 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 LUDHIANA 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 MAHB0002666.
- Confirm the bank name auto-populates as Bank of Maharashtra and the branch as HOUSING FINANCE BRANCH LUDHIANA.
- 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 LUDHIANA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's HOUSING FINANCE BRANCH LUDHIANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0002666 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Maharashtra HOUSING FINANCE BRANCH LUDHIANA (IFSC MAHB0002666)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0002666 in your mobile or internet banking app, and the money is credited to the HOUSING FINANCE BRANCH LUDHIANA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC MAHB0002666 for Bank of Maharashtra – HOUSING FINANCE BRANCH LUDHIANA, 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 – MAHB0002666 | Yes – MAHB0002666 | Yes – MAHB0002666 |
For most retail customers crediting the Housing Finance Branch Ludhiana 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.
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 HOUSING FINANCE BRANCH LUDHIANA branch, the IFSC MAHB0002666 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 Housing Finance Branch Ludhiana branch is mapped to IFSC MAHB0002666 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 MAHB0002666.
Products and services
Customers walking into the Housing Finance Branch Ludhiana 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 MAHB0002666
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 MAHB0002666 and the account number together uniquely identify the Housing Finance Branch Ludhiana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC MAHB0002666
Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the HOUSING FINANCE BRANCH LUDHIANA 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 MAHB0002666 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.
Common mistakes to avoid when using IFSC MAHB0002666
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 – HOUSING FINANCE BRANCH LUDHIANA, 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:
MAHB0002666. - 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 Housing Finance Branch Ludhiana branch sits at GROUND FLOOR, JAI KARTAR BHAWAN, NEAR CIRCUIT HOUSE, FEROZPUR ROAD, LUDHIANA, DISTRICT-LUDHIANA, PUNJAB-141001. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 91-9115510546 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 MAHB0002666 and your account number.
Verifying IFSC MAHB0002666 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 MAHB0002666 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9115510546.
- Visiting the bank's official branch locator page.
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 Housing Finance Branch Ludhiana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHB0002666, however, work 24x7.
Branch address & contact
Bank of MaharashtraHousing Finance Branch Ludhiana Branch
GROUND FLOOR, JAI KARTAR BHAWAN, NEAR CIRCUIT HOUSE, FEROZPUR ROAD, LUDHIANA, DISTRICT-LUDHIANA, PUNJAB-141001
Ludhiana, Punjab
Phone: 91-9115510546
IFSC: MAHB0002666
Frequently asked questions
How quickly will an NEFT transfer using MAHB0002666 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Housing Finance Branch Ludhiana reflect within 30 minutes.
How do I add Bank of Maharashtra Housing Finance Branch Ludhiana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0002666, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of Maharashtra Housing Finance Branch Ludhiana branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9115510546 to confirm.
Where is Bank of Maharashtra Housing Finance Branch Ludhiana branch located?
Bank of Maharashtra's Housing Finance Branch Ludhiana branch is located at GROUND FLOOR, JAI KARTAR BHAWAN, NEAR CIRCUIT HOUSE, FEROZPUR ROAD, LUDHIANA, DISTRICT-LUDHIANA, PUNJAB-141001, Ludhiana, Punjab.
What is the phone number of Bank of Maharashtra Housing Finance Branch Ludhiana branch?
You can reach the branch at 91-9115510546 during regular banking hours.
What is the IFSC code of Bank of Maharashtra Housing Finance Branch Ludhiana branch?
The IFSC code of Bank of Maharashtra, Housing Finance Branch Ludhiana branch is MAHB0002666. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC MAHB0002666 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0002666 to send funds instantly.
Summary
The IFSC code MAHB0002666 belongs to Bank of Maharashtra's HOUSING FINANCE BRANCH LUDHIANA branch, located at GROUND FLOOR, JAI KARTAR BHAWAN, NEAR CIRCUIT HOUSE, FEROZPUR ROAD, LUDHIANA,… in LUDHIANA, PUNJAB. 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.
