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

Use this page as a one-stop reference for everything related to GS Mahanagar Cooperative Bank Limited Mumbai's BADLAPUR branch in THANE, MAHARASHTRA. The branch's IFSC code MCBL0960028 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, MCBL0960028 is the IFSC of GS Mahanagar Cooperative Bank Limited Mumbai's BADLAPUR branch. The format is fixed: MCBL = bank code, 0 = reserved, 960028 = branch identifier.

Branch details at a glance

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 Badlapur branch in Thane, Maharashtra is part of this network and uses the IFSC code MCBL0960028 for all electronic settlement.

Badlapur branch overview

Located at OFFICE NO 1,2, TIRUPATI KUNJ APARMENTS, GR. FLOOR, BEHIND VAISHALI CINEMA, BADLAPUR WEST DIST. THANE, the Badlapur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MCBL0960028 is required for all interbank electronic transfers routed through this branch.

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 BADLAPUR branch came to be assigned the code MCBL0960028.

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 MCBL0960028, money simply cannot be routed to the BADLAPUR branch electronically.

How to transfer money using IFSC MCBL0960028

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 MCBL0960028 across all three.

NEFT to GS Mahanagar Cooperative Bank Limited Mumbai, BADLAPUR using IFSC MCBL0960028

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 MCBL0960028, and confirm that the system picks up GS Mahanagar Cooperative Bank Limited Mumbai – BADLAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BADLAPUR

If you need to transfer ₹2 lakh or more in one go to an account at GS Mahanagar Cooperative Bank Limited Mumbai's BADLAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MCBL0960028 while initiating the transfer and the credit will appear within minutes.

IMPS to GS Mahanagar Cooperative Bank Limited Mumbai BADLAPUR (IFSC MCBL0960028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCBL0960028 in your mobile or internet banking app, and the money is credited to the BADLAPUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MCBL0960028 for GS Mahanagar Cooperative Bank Limited Mumbai – BADLAPUR, 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 Badlapur 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 MCBL0960028

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 GS Mahanagar Cooperative Bank Limited Mumbai – BADLAPUR is still mapped to IFSC MCBL0960028. 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 MCBL0960028 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Badlapur branch is mapped to IFSC MCBL0960028 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 MCBL0960028.

Banking services available

The Badlapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2676002.

• 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 MCBL0960028

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by GS Mahanagar Cooperative Bank Limited Mumbai carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MCBL0960028 and the account number together uniquely identify the Badlapur 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 Badlapur 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 MCBL0960028 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 GS Mahanagar Cooperative Bank Limited Mumbai – BADLAPUR:

• The IFSC is exactly MCBL0960028 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 BADLAPUR 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 Badlapur branch sits at OFFICE NO 1,2, TIRUPATI KUNJ APARMENTS, GR. FLOOR, BEHIND VAISHALI CINEMA, BADLAPUR WEST DIST. THANE. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 251-2676002 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 MCBL0960028 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MCBL0960028 for GS Mahanagar Cooperative Bank Limited Mumbai – BADLAPUR, 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 Badlapur 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 MCBL0960028 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MCBL0960028 is the IFSC code of GS Mahanagar Cooperative Bank Limited Mumbai, BADLAPUR branch, in THANE, MAHARASHTRA. 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.