IFSC Code of Maharashtra Gramin Bank, Khadakpada Chowk Kalyan W Branch, Maharashtra

Below are the complete branch details for Maharashtra Gramin Bank, KHADAKPADA CHOWK KALYAN W branch, located in KHADAKPADA CHOWK KALYAN W, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MAHG0005630. 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 MAHG0005630 for Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W is MAHG0005630. The first four letters MAHG are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005630 map to this branch in KHADAKPADA CHOWK KALYAN W, MAHARASHTRA.

Branch details at a glance

About the bank

Maharashtra Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khadakpada Chowk Kalyan W branch in Khadakpada Chowk Kalyan W, Maharashtra is part of this network and uses the IFSC code MAHG0005630 for all electronic settlement.

About this branch

The branch is located at AT KHADAKPADA CHOWK KALYAN W TQ DIST THANE. It serves the Khadakpada Chowk Kalyan W region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Maharashtra Gramin Bank. The IFSC MAHG0005630 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 Maharashtra Gramin Bank's KHADAKPADA CHOWK KALYAN W branch came to be assigned the code MAHG0005630.

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 MAHG0005630, money simply cannot be routed to the KHADAKPADA CHOWK KALYAN W branch electronically.

How to transfer money using IFSC MAHG0005630

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 MAHG0005630 across all three.

How to use IFSC MAHG0005630 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra Gramin Bank's KHADAKPADA CHOWK KALYAN W 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 MAHG0005630.
4. Confirm the bank name auto-populates as Maharashtra Gramin Bank and the branch as KHADAKPADA CHOWK KALYAN W.
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 KHADAKPADA CHOWK KALYAN W

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra Gramin Bank's KHADAKPADA CHOWK KALYAN W branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHG0005630 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W, use IMPS. With IFSC MAHG0005630 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 MAHG0005630 for Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W, 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 Khadakpada Chowk Kalyan W 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 Maharashtra Gramin Bank's KHADAKPADA CHOWK KALYAN W branch, the IFSC MAHG0005630 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.

Account types you can open at the Khadakpada Chowk Kalyan W branch

Once you have an account at Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W, the IFSC MAHG0005630 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.

Banking services available

The Khadakpada Chowk Kalyan W branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2512-230284.

• 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 MAHG0005630

MICR & cheque-truncation details

Cheques drawn on the Khadakpada Chowk Kalyan W branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHG0005630 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Khadakpada Chowk Kalyan W 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 MAHG0005630 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.

Common mistakes to avoid when using IFSC MAHG0005630

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: MAHG0005630.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Khadakpada Chowk Kalyan W branch

The branch is located at AT KHADAKPADA CHOWK KALYAN W TQ DIST THANE, which puts it inside Khadakpada Chowk Kalyan W, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Maharashtra Gramin Bank Khadakpada Chowk Kalyan W branch” — the verified location pin for IFSC MAHG0005630 should appear at the top of the results.
2. Confirm the branch is open by calling 2512-230284 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 MAHG0005630 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHG0005630 for Maharashtra Gramin Bank – KHADAKPADA CHOWK KALYAN W, 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 Khadakpada Chowk Kalyan W 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 MAHG0005630 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHG0005630 is the IFSC code of Maharashtra Gramin Bank, KHADAKPADA CHOWK KALYAN W branch, in KHADAKPADA CHOWK KALYAN W, 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.