IFSC Code of Bank of Maharashtra, Adajan Branch, Surat Branch, Gujarat

Use this page as a one-stop reference for everything related to Bank of Maharashtra's ADAJAN BRANCH, SURAT branch in SURAT, GUJARAT. The branch's IFSC code MAHB0001286 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, MAHB0001286 is the IFSC of Bank of Maharashtra's ADAJAN BRANCH, SURAT branch. The format is fixed: MAHB = bank code, 0 = reserved, 001286 = branch identifier.

Branch details at a glance

About the bank

Bank of Maharashtra serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Adajan Branch, Surat branch in Surat, Gujarat is part of this network and uses the IFSC code MAHB0001286 for all electronic settlement.

About this branch

The branch is located at SHOP NO G-6,7,8,9,10,11, AKHAND, ANAND COMPLEX A-WING, HONEY PARK ROAD, ADAJAN. It serves the Surat 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 MAHB0001286 is used to identify this branch on the RBI payments network.

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 ADAJAN BRANCH, SURAT branch came to be assigned the code MAHB0001286.

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 MAHB0001286, money simply cannot be routed to the ADAJAN BRANCH, SURAT branch electronically.

How to transfer money using IFSC MAHB0001286

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 MAHB0001286 across all three.

How to use IFSC MAHB0001286 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's ADAJAN BRANCH, SURAT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MAHB0001286.
4. Confirm the bank name auto-populates as Bank of Maharashtra and the branch as ADAJAN BRANCH, SURAT.
5. 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 ADAJAN BRANCH, SURAT

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's ADAJAN BRANCH, SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0001286 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 – ADAJAN BRANCH, SURAT, use IMPS. With IFSC MAHB0001286 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 MAHB0001286 for Bank of Maharashtra – ADAJAN BRANCH, SURAT, 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 Adajan Branch, Surat 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 MAHB0001286

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 – ADAJAN BRANCH, SURAT is still mapped to IFSC MAHB0001286. 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 MAHB0001286 and the beneficiary's account number to complete the transfer.

Account types you can open at the Adajan Branch, Surat branch

Once you have an account at Bank of Maharashtra – ADAJAN BRANCH, SURAT, the IFSC MAHB0001286 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 Adajan Branch, Surat 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 MAHB0001286

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 MAHB0001286 and the account number together uniquely identify the Adajan Branch, Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Adajan Branch, Surat 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 MAHB0001286 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 – ADAJAN BRANCH, SURAT:

• The IFSC is exactly MAHB0001286 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 ADAJAN BRANCH, SURAT 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 Adajan Branch, Surat branch sits at SHOP NO G-6,7,8,9,10,11, AKHAND, ANAND COMPLEX A-WING, HONEY PARK ROAD, ADAJAN. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 91-8657472901 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 MAHB0001286 and your account number.

Verifying IFSC MAHB0001286 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 MAHB0001286 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8657472901.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Adajan Branch, Surat 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 MAHB0001286 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHB0001286 is the IFSC code of Bank of Maharashtra, ADAJAN BRANCH, SURAT branch, in SURAT, GUJARAT. 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.