Below are the complete branch details for GS Mahanagar Cooperative Bank Limited Mumbai, KHARGHAR branch, located in NAVI MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MCBL0960024. 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 MCBL0960024 for GS Mahanagar Cooperative Bank Limited Mumbai – KHARGHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 GS Mahanagar Cooperative Bank Limited Mumbai's KHARGHAR branch, the IFSC MCBL0960024 breaks down as follows: MCBL identifies the bank, 0 is the reserved character, and 960024 identifies this particular branch.
About the bank
GS Mahanagar Cooperative Bank Limited Mumbai serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kharghar branch in Navi Mumbai, Maharashtra is part of this network and uses the IFSC code MCBL0960024 for all electronic settlement.
Branch details at a glance
| Bank Name | GS Mahanagar Cooperative Bank Limited Mumbai |
|---|---|
| Branch | Kharghar |
| IFSC Code | MCBL0960024 |
| MICR Code | Refer to cheque leaf |
| Branch Address | F/85, SANYUKTA CHS. SECTOR 12, KHARGHAR, NAVI MUMBAI, PIN 410210.PH. NO. 022 27746364 |
| City | Navi Mumbai |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 27746364 |
About this branch
The branch is located at F/85, SANYUKTA CHS. SECTOR 12, KHARGHAR, NAVI MUMBAI, PIN 410210.PH. NO. 022 27746364. It serves the Navi Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of GS Mahanagar Cooperative Bank Limited Mumbai. The IFSC MCBL0960024 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 GS Mahanagar Cooperative Bank Limited Mumbai's KHARGHAR branch came to be assigned the code MCBL0960024.
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 MCBL0960024, money simply cannot be routed to the KHARGHAR branch electronically.
Products and account variants supported
Every account opened at the Kharghar branch is mapped to IFSC MCBL0960024 on the RBI payments network. The branch generally supports the full retail product catalogue of GS Mahanagar Cooperative Bank Limited Mumbai, 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 MCBL0960024.
Products and services
Customers walking into the Kharghar branch can access most of GS Mahanagar Cooperative Bank Limited Mumbai'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 MCBL0960024
How to transfer money using IFSC MCBL0960024
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 MCBL0960024 across all three.
How to use IFSC MCBL0960024 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to GS Mahanagar Cooperative Bank Limited Mumbai's KHARGHAR 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 MCBL0960024.
- Confirm the bank name auto-populates as GS Mahanagar Cooperative Bank Limited Mumbai and the branch as KHARGHAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC MCBL0960024
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to GS Mahanagar Cooperative Bank Limited Mumbai – KHARGHAR, ensure your bank's portal accepts IFSC MCBL0960024 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to GS Mahanagar Cooperative Bank Limited Mumbai – KHARGHAR, use IMPS. With IFSC MCBL0960024 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 MCBL0960024 for GS Mahanagar Cooperative Bank Limited Mumbai – KHARGHAR, 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 – MCBL0960024 | Yes – MCBL0960024 | Yes – MCBL0960024 |
For most retail customers crediting the Kharghar 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 GS Mahanagar Cooperative Bank Limited Mumbai's KHARGHAR branch, the IFSC MCBL0960024 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 Kharghar 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 MCBL0960024 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 Kharghar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCBL0960024 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 GS Mahanagar Cooperative Bank Limited Mumbai – KHARGHAR:
- The IFSC is exactly MCBL0960024 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills GS Mahanagar Cooperative Bank Limited Mumbai as the bank name and KHARGHAR 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.
How to reach the Kharghar branch
The branch is located at F/85, SANYUKTA CHS. SECTOR 12, KHARGHAR, NAVI MUMBAI, PIN 410210.PH. NO. 022 27746364, which puts it inside Navi Mumbai, the broader Thane district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “GS Mahanagar Cooperative Bank Limited Mumbai Kharghar branch” — the verified location pin for IFSC MCBL0960024 should appear at the top of the results.
- Confirm the branch is open by calling 22-27746364 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC MCBL0960024 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC MCBL0960024 for GS Mahanagar Cooperative Bank Limited Mumbai – KHARGHAR, 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.
Working hours
Branch counters at Kharghar 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 MCBL0960024 continue to work without interruption.
Branch address & contact
GS Mahanagar Cooperative Bank Limited MumbaiKharghar Branch
F/85, SANYUKTA CHS. SECTOR 12, KHARGHAR, NAVI MUMBAI, PIN 410210.PH. NO. 022 27746364
Navi Mumbai, Maharashtra
Phone: 22-27746364
IFSC: MCBL0960024
Frequently asked questions
Can I use IFSC MCBL0960024 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MCBL0960024 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kharghar branch but serve different purposes.
How do I add GS Mahanagar Cooperative Bank Limited Mumbai Kharghar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MCBL0960024, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of GS Mahanagar Cooperative Bank Limited Mumbai Kharghar branch?
You can reach the branch at 22-27746364 during regular banking hours.
Is IFSC MCBL0960024 the same for all accounts at Kharghar branch?
Yes. The IFSC MCBL0960024 is shared by every account held at GS Mahanagar Cooperative Bank Limited Mumbai's Kharghar branch. Only the account number changes from customer to customer.
Is IFSC MCBL0960024 valid for NEFT and RTGS?
Yes. IFSC MCBL0960024 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is GS Mahanagar Cooperative Bank Limited Mumbai Kharghar branch located?
GS Mahanagar Cooperative Bank Limited Mumbai's Kharghar branch is located at F/85, SANYUKTA CHS. SECTOR 12, KHARGHAR, NAVI MUMBAI, PIN 410210.PH. NO. 022 27746364, Navi Mumbai, Maharashtra.
Summary
The IFSC code MCBL0960024 belongs to GS Mahanagar Cooperative Bank Limited Mumbai's KHARGHAR branch, located at F/85, SANYUKTA CHS. SECTOR 12, KHARGHAR, NAVI MUMBAI, PIN 410210.PH. NO. 022… in NAVI 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.
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