IFSC Code of Maharashtra Gramin Bank, Bhingaloli Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Maharashtra Gramin Bank, BHINGALOLI branch in RATNAGIRI. The 11-digit IFSC MAHG0007125 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 BHINGALOLI 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.

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 BHINGALOLI branch, the IFSC MAHG0007125 breaks down as follows: MAHG identifies the bank, 0 is the reserved character, and 007125 identifies this particular branch.

About the bank

Maharashtra Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhingaloli branch in Ratnagiri, Maharashtra is part of this network and uses the IFSC code MAHG0007125 for all electronic settlement.

Branch details at a glance

About the Bhingaloli branch

The Bhingaloli branch of Maharashtra Gramin Bank is situated at H.NO. 196,FIRST FLOOR,BABULAL STORE A.P BHINGALOLI,TQ-MANADANGAD,DIST-RATNAGIRI,PIN-415203. 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 MAHG0007125 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 BHINGALOLI branch came to be assigned the code MAHG0007125.

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 MAHG0007125, money simply cannot be routed to the BHINGALOLI branch electronically.

Products and account variants supported

Every account opened at the Bhingaloli branch is mapped to IFSC MAHG0007125 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 MAHG0007125.

Products and services

Customers walking into the Bhingaloli 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 MAHG0007125

How to transfer money using IFSC MAHG0007125

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 MAHG0007125 across all three.

How to use IFSC MAHG0007125 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra Gramin Bank's BHINGALOLI 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 MAHG0007125.
4. Confirm the bank name auto-populates as Maharashtra Gramin Bank and the branch as BHINGALOLI.
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 BHINGALOLI

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra Gramin Bank's BHINGALOLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHG0007125 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 – BHINGALOLI, use IMPS. With IFSC MAHG0007125 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhingaloli

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 MAHG0007125:

• 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 BHINGALOLI is still linked to IFSC MAHG0007125.

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.

UPI payments and IFSC MAHG0007125

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 – BHINGALOLI is still mapped to IFSC MAHG0007125. 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 MAHG0007125 and the beneficiary's account number to complete the transfer.

Online banking and IFSC MAHG0007125

Maharashtra Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the BHINGALOLI 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 MAHG0007125 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.

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 MAHG0007125 and the account number together uniquely identify the Bhingaloli 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 – BHINGALOLI:

• The IFSC is exactly MAHG0007125 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 BHINGALOLI 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 Bhingaloli branch sits at H.NO. 196,FIRST FLOOR,BABULAL STORE A.P BHINGALOLI,TQ-MANADANGAD,DIST-RATNAGIRI,PIN-415203. If you are travelling from outside Ratnagiri, search for the branch on a maps application using the bank name and locality, or call 2352-9403342998 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 MAHG0007125 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHG0007125 for Maharashtra Gramin Bank – BHINGALOLI, 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 Bhingaloli 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 MAHG0007125 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHG0007125 is the IFSC code of Maharashtra Gramin Bank, BHINGALOLI branch, in RATNAGIRI, 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.