IFSC Code of Maharashtra Gramin Bank, Mirajgaon Branch, Maharashtra

Use this page as a one-stop reference for everything related to Maharashtra Gramin Bank's MIRAJGAON branch in KARJAT, MAHARASHTRA. The branch's IFSC code MAHG0005414 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 Maharashtra Gramin Bank's MIRAJGAON branch, the IFSC MAHG0005414 breaks down as follows: MAHG identifies the bank, 0 is the reserved character, and 005414 identifies this particular branch.

Bank profile

Maharashtra Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mirajgaon branch — IFSC MAHG0005414 — extends the bank's services to customers in and around Karjat, Maharashtra.

Branch details at a glance

About the Mirajgaon branch

The Mirajgaon branch of Maharashtra Gramin Bank is situated at NEAR POST OFFICE, AHILYANAGAR SOLAPUR ROAD, AT POST MIRAJGAON, TQ KARJAT DIST AHILYANAGAR 414401. 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 MAHG0005414 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 Maharashtra Gramin Bank's MIRAJGAON branch came to be assigned the code MAHG0005414.

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 MAHG0005414, money simply cannot be routed to the MIRAJGAON branch electronically.

Account types you can open at the Mirajgaon branch

Once you have an account at Maharashtra Gramin Bank – MIRAJGAON, the IFSC MAHG0005414 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.

Products and services

Customers walking into the Mirajgaon 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 MAHG0005414

How to transfer money using IFSC MAHG0005414

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 MAHG0005414 across all three.

NEFT to Maharashtra Gramin Bank, MIRAJGAON using IFSC MAHG0005414

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 MAHG0005414, and confirm that the system picks up Maharashtra Gramin Bank – MIRAJGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MAHG0005414

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 Maharashtra Gramin Bank – MIRAJGAON, ensure your bank's portal accepts IFSC MAHG0005414 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Maharashtra Gramin Bank – MIRAJGAON, use IMPS. With IFSC MAHG0005414 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 MAHG0005414 for Maharashtra Gramin Bank – MIRAJGAON, 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 Mirajgaon 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 MAHG0005414

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 – MIRAJGAON is still mapped to IFSC MAHG0005414. 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 MAHG0005414 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Mirajgaon 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 MAHG0005414 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 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 MAHG0005414 and the account number together uniquely identify the Mirajgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MIRAJGAON:

• The IFSC is exactly MAHG0005414 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 MIRAJGAON 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 Mirajgaon branch

The branch is located at NEAR POST OFFICE, AHILYANAGAR SOLAPUR ROAD, AT POST MIRAJGAON, TQ KARJAT DIST AHILYANAGAR 414401, which puts it inside Karjat, the broader Ahilyanagar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Maharashtra Gramin Bank Mirajgaon branch” — the verified location pin for IFSC MAHG0005414 should appear at the top of the results.
2. Confirm the branch is open by calling 241-8668276557 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 MAHG0005414 and your account number.

Verifying IFSC MAHG0005414 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 MAHG0005414 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 241-8668276557.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mirajgaon 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 MAHG0005414 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MAHG0005414 belongs to Maharashtra Gramin Bank's MIRAJGAON branch, located at NEAR POST OFFICE, AHILYANAGAR SOLAPUR ROAD, AT POST MIRAJGAON, TQ KARJAT DIST… in KARJAT, 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.