IFSC Code of Maharashtra Gramin Bank, Naichakur Branch, Maharashtra

Use this page as a one-stop reference for everything related to Maharashtra Gramin Bank's NAICHAKUR branch in NAICHAKUR, MAHARASHTRA. The branch's IFSC code MAHG0004419 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, MAHG0004419 is the IFSC of Maharashtra Gramin Bank's NAICHAKUR branch. The format is fixed: MAHG = bank code, 0 = reserved, 004419 = branch identifier.

Branch details at a glance

Bank profile

Maharashtra Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Naichakur branch — IFSC MAHG0004419 — extends the bank's services to customers in and around Naichakur, Maharashtra.

About the Naichakur branch

The Naichakur branch of Maharashtra Gramin Bank is situated at AT NAICHAKUR TQ OMERGA DIST OSMANABAD. 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 MAHG0004419 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 NAICHAKUR branch came to be assigned the code MAHG0004419.

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 MAHG0004419, money simply cannot be routed to the NAICHAKUR branch electronically.

How to transfer money using IFSC MAHG0004419

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 MAHG0004419 across all three.

NEFT to Maharashtra Gramin Bank, NAICHAKUR using IFSC MAHG0004419

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 MAHG0004419, and confirm that the system picks up Maharashtra Gramin Bank – NAICHAKUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAICHAKUR

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra Gramin Bank's NAICHAKUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHG0004419 while initiating the transfer and the credit will appear within minutes.

IMPS to Maharashtra Gramin Bank NAICHAKUR (IFSC MAHG0004419)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHG0004419 in your mobile or internet banking app, and the money is credited to the NAICHAKUR branch account within seconds.

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

All three modes accept the IFSC MAHG0004419 for Maharashtra Gramin Bank – NAICHAKUR, 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 Naichakur 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 NAICHAKUR branch, the IFSC MAHG0004419 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 Naichakur branch is mapped to IFSC MAHG0004419 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 MAHG0004419.

Products and services

Customers walking into the Naichakur 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 MAHG0004419

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 MAHG0004419 and the account number together uniquely identify the Naichakur 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 Naichakur 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 MAHG0004419 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 Maharashtra Gramin Bank – NAICHAKUR:

• The IFSC is exactly MAHG0004419 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 NAICHAKUR 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 Naichakur branch sits at AT NAICHAKUR TQ OMERGA DIST OSMANABAD. If you are travelling from outside Naichakur, search for the branch on a maps application using the bank name and locality, or call 2475-288001 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 MAHG0004419 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHG0004419 for Maharashtra Gramin Bank – NAICHAKUR, 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 Naichakur 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 MAHG0004419 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MAHG0004419 belongs to Maharashtra Gramin Bank's NAICHAKUR branch, located at AT NAICHAKUR TQ OMERGA DIST OSMANABAD in NAICHAKUR, 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.