Use this page as a one-stop reference for everything related to Bank of Maharashtra's VISAKHAPATNAM-MAIN ROAD branch in VISAKHAPATNAM, ANDHRA PRADESH. The branch's IFSC code MAHB0000398 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bank of Maharashtra's VISAKHAPATNAM-MAIN ROAD branch, the IFSC MAHB0000398 breaks down as follows: MAHB identifies the bank, 0 is the reserved character, and 000398 identifies this particular branch.
Bank profile
Bank of Maharashtra is among the recognised banks listed on the Reserve Bank of India's payments network. The Visakhapatnam-Main Road branch — IFSC MAHB0000398 — extends the bank's services to customers in and around Visakhapatnam, Andhra Pradesh.
About the Visakhapatnam-Main Road branch
The Visakhapatnam-Main Road branch of Bank of Maharashtra is situated at H.NO.30-15-138,I FL,BINAYAK CPLX DABAGARDENS,VISHAKHAPATNAM. 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 MAHB0000398 is used.
Branch details at a glance
| Bank Name | Bank of Maharashtra |
|---|---|
| Branch | Visakhapatnam-Main Road |
| IFSC Code | MAHB0000398 |
| MICR Code | Refer to cheque leaf |
| Branch Address | H.NO.30-15-138,I FL,BINAYAK CPLX DABAGARDENS,VISHAKHAPATNAM |
| City | Visakhapatnam |
| District | Visakhapatnam |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 9010183398 |
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 VISAKHAPATNAM-MAIN ROAD of Bank of Maharashtra — its own 11-character IFSC. The code MAHB0000398 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 MAHB0000398 the same way you would treat your account number — verify it once and save it carefully for future use.
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 MAHB0000398 and the account number together uniquely identify the Visakhapatnam-Main Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC MAHB0000398
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 MAHB0000398 across all three.
NEFT to Bank of Maharashtra, VISAKHAPATNAM-MAIN ROAD using IFSC MAHB0000398
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 MAHB0000398, and confirm that the system picks up Bank of Maharashtra – VISAKHAPATNAM-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 VISAKHAPATNAM-MAIN ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's VISAKHAPATNAM-MAIN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0000398 while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Maharashtra VISAKHAPATNAM-MAIN ROAD (IFSC MAHB0000398)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0000398 in your mobile or internet banking app, and the money is credited to the VISAKHAPATNAM-MAIN ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC MAHB0000398 for Bank of Maharashtra – VISAKHAPATNAM-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.
| 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 – MAHB0000398 | Yes – MAHB0000398 | Yes – MAHB0000398 |
For most retail customers crediting the Visakhapatnam-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 MAHB0000398
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 – VISAKHAPATNAM-MAIN ROAD is still mapped to IFSC MAHB0000398. 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 MAHB0000398 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Visakhapatnam-Main Road branch is mapped to IFSC MAHB0000398 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 MAHB0000398.
Products and services
Customers walking into the Visakhapatnam-Main Road 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 MAHB0000398
Online banking and IFSC MAHB0000398
Bank of Maharashtra customers can register for net banking and the bank's official mobile app once their account at the VISAKHAPATNAM-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 MAHB0000398 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.
Reaching the branch
The Visakhapatnam-Main Road branch sits at H.NO.30-15-138,I FL,BINAYAK CPLX DABAGARDENS,VISHAKHAPATNAM. If you are travelling from outside Visakhapatnam, search for the branch on a maps application using the bank name and locality, or call 91-9010183398 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 MAHB0000398 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 – VISAKHAPATNAM-MAIN ROAD:
- The IFSC is exactly MAHB0000398 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 VISAKHAPATNAM-MAIN ROAD 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 Visakhapatnam-Main Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHB0000398, however, work 24x7.
Verifying IFSC MAHB0000398 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 MAHB0000398 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9010183398.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of MaharashtraVisakhapatnam-Main Road Branch
H.NO.30-15-138,I FL,BINAYAK CPLX DABAGARDENS,VISHAKHAPATNAM
Visakhapatnam, Andhra Pradesh
Phone: 91-9010183398
IFSC: MAHB0000398
Frequently asked questions
Can I use IFSC MAHB0000398 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MAHB0000398 to send funds instantly.
How do I add Bank of Maharashtra Visakhapatnam-Main Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MAHB0000398, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC MAHB0000398 valid for NEFT and RTGS?
Yes. IFSC MAHB0000398 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Bank of Maharashtra Visakhapatnam-Main Road branch?
You can reach the branch at 91-9010183398 during regular banking hours.
How quickly will an NEFT transfer using MAHB0000398 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Maharashtra – Visakhapatnam-Main Road reflect within 30 minutes.
Does Bank of Maharashtra Visakhapatnam-Main Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9010183398 to confirm.
Summary
The IFSC code MAHB0000398 belongs to Bank of Maharashtra's VISAKHAPATNAM-MAIN ROAD branch, located at H.NO.30-15-138,I FL,BINAYAK CPLX DABAGARDENS,VISHAKHAPATNAM in VISAKHAPATNAM, ANDHRA PRADESH. 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.
