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

Use this page as a one-stop reference for everything related to GS Mahanagar Cooperative Bank Limited Mumbai's URAN branch in URAN, MAHARASHTRA. The branch's IFSC code MCBL0960029 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 GS Mahanagar Cooperative Bank Limited Mumbai's URAN branch, the IFSC MCBL0960029 breaks down as follows: MCBL identifies the bank, 0 is the reserved character, and 960029 identifies this particular branch.

Bank profile

GS Mahanagar Cooperative Bank Limited Mumbai is among the recognised banks listed on the Reserve Bank of India's payments network. The Uran branch — IFSC MCBL0960029 — extends the bank's services to customers in and around Uran, Maharashtra.

About this branch

The branch is located at SHOP NO. 14 TO 19, GROUND FLOOR, AUDHYA SAHAKARI GRIHANIRMAN SANSTHA, SURVEY NO. 79A, HISSA NO. 1/B, CHANGEGAON, TALUKA URAN, DIST. RAIGAD.. It serves the Uran 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 MCBL0960029 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 URAN branch came to be assigned the code MCBL0960029.

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 MCBL0960029, money simply cannot be routed to the URAN branch electronically.

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 MCBL0960029 and the account number together uniquely identify the Uran branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MCBL0960029

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 MCBL0960029 across all three.

How to use IFSC MCBL0960029 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 URAN 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 MCBL0960029.
4. Confirm the bank name auto-populates as GS Mahanagar Cooperative Bank Limited Mumbai and the branch as URAN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MCBL0960029

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 – URAN, ensure your bank's portal accepts IFSC MCBL0960029 while registering the beneficiary. RTGS is also available 24x7.

IMPS to GS Mahanagar Cooperative Bank Limited Mumbai URAN (IFSC MCBL0960029)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCBL0960029 in your mobile or internet banking app, and the money is credited to the URAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Uran

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 MCBL0960029:

• 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 URAN is still linked to IFSC MCBL0960029.

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 URAN branch, the IFSC MCBL0960029 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.

Products and account variants supported

Every account opened at the Uran branch is mapped to IFSC MCBL0960029 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 MCBL0960029.

Products and services

Customers walking into the Uran 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 MCBL0960029

Online banking and IFSC MCBL0960029

GS Mahanagar Cooperative Bank Limited Mumbai customers can register for net banking and the bank's official mobile app once their account at the URAN 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 MCBL0960029 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.

How to reach the Uran branch

The branch is located at SHOP NO. 14 TO 19, GROUND FLOOR, AUDHYA SAHAKARI GRIHANIRMAN SANSTHA, SURVEY NO. 79A, HISSA NO. 1/B, CHANGEGAON, TALUKA URAN, DIST. RAIGAD., which puts it inside Uran, the broader Raigad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “GS Mahanagar Cooperative Bank Limited Mumbai Uran branch” — the verified location pin for IFSC MCBL0960029 should appear at the top of the results.
2. Confirm the branch is open by calling 22-27220541 before stepping out, especially around public holidays.
3. 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 MCBL0960029 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 GS Mahanagar Cooperative Bank Limited Mumbai – URAN:

• The IFSC is exactly MCBL0960029 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 URAN 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.

Working hours

Branch counters at Uran 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 MCBL0960029 continue to work without interruption.

Verifying IFSC MCBL0960029 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 MCBL0960029 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-27220541.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MCBL0960029 belongs to GS Mahanagar Cooperative Bank Limited Mumbai's URAN branch, located at SHOP NO. 14 TO 19, GROUND FLOOR, AUDHYA SAHAKARI GRIHANIRMAN SANSTHA, SURVEY… in URAN, 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.