Use this page as a one-stop reference for everything related to Bank of Maharashtra's KULAI branch in MANGALURU, KARNATAKA. The branch's IFSC code MAHB0002877 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.
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, MAHB0002877 is the IFSC of Bank of Maharashtra's KULAI branch. The format is fixed: MAHB = bank code, 0 = reserved, 002877 = branch identifier.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Kulai |
| IFSC Code | MAHB0002877 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SRI MOOKAMBIKA BUILDING, HOSABETTU, TAL. - MANGALURU, DIST. - DAKSHIN KANNAD, KARNATAKA - 575019 |
| City | Mangaluru |
| District | Dakshin Kannad |
| State | Karnataka |
| STD Code | 91 |
| Phone | 8050454469 |
About Bank of Maharashtra
Bank of Maharashtra operates a wide network of branches across India, including the Kulai branch in Mangaluru. 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, MAHB0002877.
About this branch
The branch is located at GROUND FLOOR, SRI MOOKAMBIKA BUILDING, HOSABETTU, TAL. - MANGALURU, DIST. - DAKSHIN KANNAD, KARNATAKA - 575019. It serves the Mangaluru region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of Maharashtra. The IFSC MAHB0002877 is used to identify this branch on the RBI payments network.
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 KULAI of Bank of Maharashtra — its own 11-character IFSC. The code MAHB0002877 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 MAHB0002877 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC MAHB0002877
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 MAHB0002877 across all three.
How to use IFSC MAHB0002877 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's KULAI 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 MAHB0002877.
- Confirm the bank name auto-populates as Bank of Maharashtra and the branch as KULAI.
- 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 KULAI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's KULAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0002877 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 – KULAI, use IMPS. With IFSC MAHB0002877 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 MAHB0002877 for Bank of Maharashtra – KULAI, 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 – MAHB0002877 | Yes – MAHB0002877 | Yes – MAHB0002877 |
For most retail customers crediting the Kulai 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 MAHB0002877
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 – KULAI is still mapped to IFSC MAHB0002877. 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 MAHB0002877 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kulai branch
Once you have an account at Bank of Maharashtra – KULAI, the IFSC MAHB0002877 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.
Products and services
Customers walking into the Kulai 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 MAHB0002877
MICR & cheque-truncation details
Cheques drawn on the Kulai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0002877 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kulai 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 MAHB0002877 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.
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 – KULAI:
- The IFSC is exactly MAHB0002877 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 KULAI 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.
Reaching the branch
The Kulai branch sits at GROUND FLOOR, SRI MOOKAMBIKA BUILDING, HOSABETTU, TAL. - MANGALURU, DIST. - DAKSHIN KANNAD, KARNATAKA - 575019. If you are travelling from outside Mangaluru, search for the branch on a maps application using the bank name and locality, or call 91-8050454469 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 MAHB0002877 and your account number.
Verifying IFSC MAHB0002877 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 MAHB0002877 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8050454469.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kulai 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 MAHB0002877 continue to work without interruption.
Branch address & contact
Bank of MaharashtraKulai Branch
GROUND FLOOR, SRI MOOKAMBIKA BUILDING, HOSABETTU, TAL. - MANGALURU, DIST. - DAKSHIN KANNAD, KARNATAKA - 575019
Mangaluru, Karnataka
Phone: 91-8050454469
IFSC: MAHB0002877
Frequently asked questions
How do I add Bank of Maharashtra Kulai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0002877, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of Maharashtra Kulai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8050454469 to confirm.
Is IFSC MAHB0002877 valid for NEFT and RTGS?
Yes. IFSC MAHB0002877 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC MAHB0002877 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0002877 to send funds instantly.
Where is Bank of Maharashtra Kulai branch located?
Bank of Maharashtra's Kulai branch is located at GROUND FLOOR, SRI MOOKAMBIKA BUILDING, HOSABETTU, TAL. - MANGALURU, DIST. - DAKSHIN KANNAD, KARNATAKA - 575019, Mangaluru, Karnataka.
Is IFSC MAHB0002877 the same for all accounts at Kulai branch?
Yes. The IFSC MAHB0002877 is shared by every account held at Bank of Maharashtra's Kulai branch. Only the account number changes from customer to customer.
What is the phone number of Bank of Maharashtra Kulai branch?
You can reach the branch at 91-8050454469 during regular banking hours.
Final notes
To recap: MAHB0002877 is the IFSC code of Bank of Maharashtra, KULAI branch, in MANGALURU, KARNATAKA. 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.
