IFSC Code of Maharashtra Gramin Bank, Gunjoti Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Maharashtra Gramin Bank, GUNJOTI branch in GUNJOTI. The 11-digit IFSC MAHG0004405 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 Maharashtra Gramin Bank at the GUNJOTI 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, MAHG0004405 is the IFSC of Maharashtra Gramin Bank's GUNJOTI branch. The format is fixed: MAHG = bank code, 0 = reserved, 004405 = branch identifier.

Branch details at a glance

About Maharashtra Gramin Bank

Maharashtra Gramin Bank operates a wide network of branches across India, including the Gunjoti branch in Gunjoti. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, MAHG0004405.

Gunjoti branch overview

Located at AT GUNJOTI TQ OMERGA DIST OSMANABAD, the Gunjoti branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHG0004405 is required for all interbank electronic transfers routed through this branch.

Why every Maharashtra Gramin Bank 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 GUNJOTI of Maharashtra Gramin Bank — its own 11-character IFSC. The code MAHG0004405 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 MAHG0004405 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC MAHG0004405

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 MAHG0004405 across all three.

How to use IFSC MAHG0004405 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra Gramin Bank's GUNJOTI 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 MAHG0004405.
4. Confirm the bank name auto-populates as Maharashtra Gramin Bank and the branch as GUNJOTI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GUNJOTI

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra Gramin Bank's GUNJOTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHG0004405 while initiating the transfer and the credit will appear within minutes.

IMPS to Maharashtra Gramin Bank GUNJOTI (IFSC MAHG0004405)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHG0004405 in your mobile or internet banking app, and the money is credited to the GUNJOTI branch account within seconds.

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

All three modes accept the IFSC MAHG0004405 for Maharashtra Gramin Bank – GUNJOTI, 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 Gunjoti 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 MAHG0004405

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 Maharashtra Gramin Bank – GUNJOTI is still mapped to IFSC MAHG0004405. 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 MAHG0004405 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gunjoti branch is mapped to IFSC MAHG0004405 on the RBI payments network. The branch generally supports the full retail product catalogue of Maharashtra Gramin Bank, 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 MAHG0004405.

Products and services

Customers walking into the Gunjoti branch can access most of Maharashtra Gramin Bank'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 MAHG0004405

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Maharashtra Gramin Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MAHG0004405 and the account number together uniquely identify the Gunjoti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC MAHG0004405

Maharashtra Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the GUNJOTI 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 MAHG0004405 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.

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 Maharashtra Gramin Bank – GUNJOTI:

• The IFSC is exactly MAHG0004405 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Maharashtra Gramin Bank as the bank name and GUNJOTI 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 Gunjoti branch sits at AT GUNJOTI TQ OMERGA DIST OSMANABAD. If you are travelling from outside Gunjoti, search for the branch on a maps application using the bank name and locality, or call 2475-253937 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 MAHG0004405 and your account number.

Verifying IFSC MAHG0004405 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 MAHG0004405 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2475-253937.
• Visiting the bank's official branch locator page.

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 Gunjoti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHG0004405, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MAHG0004405 belongs to Maharashtra Gramin Bank's GUNJOTI branch, located at AT GUNJOTI TQ OMERGA DIST OSMANABAD in GUNJOTI, 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.