IFSC Code of GS Mahanagar Cooperative Bank Limited Mumbai, Ghatkopar Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for GS Mahanagar Cooperative Bank Limited Mumbai, GHATKOPAR branch in MUMBAI. The 11-digit IFSC MCBL0960004 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with GS Mahanagar Cooperative Bank Limited Mumbai at the GHATKOPAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, MCBL0960004 is the IFSC of GS Mahanagar Cooperative Bank Limited Mumbai's GHATKOPAR branch. The format is fixed: MCBL = bank code, 0 = reserved, 960004 = branch identifier.

Bank profile

GS Mahanagar Cooperative Bank Limited Mumbai is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghatkopar branch — IFSC MCBL0960004 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Ghatkopar branch

The Ghatkopar branch of GS Mahanagar Cooperative Bank Limited Mumbai is situated at GANESH BAUG CO-OP.HSG.SOCIETY, R.B.KADAM MARG, BHATWADI, GHATKOPAR, MUMBAI-400084. 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 MCBL0960004 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 GS Mahanagar Cooperative Bank Limited Mumbai's GHATKOPAR branch came to be assigned the code MCBL0960004.

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 MCBL0960004, money simply cannot be routed to the GHATKOPAR branch electronically.

Account types you can open at the Ghatkopar branch

Once you have an account at GS Mahanagar Cooperative Bank Limited Mumbai – GHATKOPAR, the IFSC MCBL0960004 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.

Banking services available

The Ghatkopar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25113117.

• 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 MCBL0960004

How to transfer money using IFSC MCBL0960004

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 MCBL0960004 across all three.

NEFT to GS Mahanagar Cooperative Bank Limited Mumbai, GHATKOPAR using IFSC MCBL0960004

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 MCBL0960004, and confirm that the system picks up GS Mahanagar Cooperative Bank Limited Mumbai – GHATKOPAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GHATKOPAR

If you need to transfer ₹2 lakh or more in one go to an account at GS Mahanagar Cooperative Bank Limited Mumbai's GHATKOPAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MCBL0960004 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to GS Mahanagar Cooperative Bank Limited Mumbai – GHATKOPAR, use IMPS. With IFSC MCBL0960004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ghatkopar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC MCBL0960004:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at GHATKOPAR is still linked to IFSC MCBL0960004.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 GS Mahanagar Cooperative Bank Limited Mumbai's GHATKOPAR branch, the IFSC MCBL0960004 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.

Digital banking channels

Most day-to-day work that customers used to do at the Ghatkopar 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 MCBL0960004 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.

MICR & cheque-truncation details

Cheques drawn on the Ghatkopar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCBL0960004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC MCBL0960004

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 GS Mahanagar Cooperative Bank Limited Mumbai – GHATKOPAR, 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: MCBL0960004.
• 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 Ghatkopar branch sits at GANESH BAUG CO-OP.HSG.SOCIETY, R.B.KADAM MARG, BHATWADI, GHATKOPAR, MUMBAI-400084. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-25113117 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 MCBL0960004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MCBL0960004 for GS Mahanagar Cooperative Bank Limited Mumbai – GHATKOPAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Ghatkopar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MCBL0960004, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MCBL0960004 belongs to GS Mahanagar Cooperative Bank Limited Mumbai's GHATKOPAR branch, located at GANESH BAUG CO-OP.HSG.SOCIETY, R.B.KADAM MARG, BHATWADI, GHATKOPAR,… in MUMBAI, MAHARASHTRA. 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.