IFSC Code of Maharashtra Gramin Bank, Pachal Branch, Maharashtra

Use this page as a one-stop reference for everything related to Maharashtra Gramin Bank's PACHAL branch in RATNAGIRI, MAHARASHTRA. The branch's IFSC code MAHG0007104 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.

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 – PACHAL is MAHG0007104. The first four letters MAHG are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007104 map to this branch in RATNAGIRI, MAHARASHTRA.

About the bank

Maharashtra Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pachal branch in Ratnagiri, Maharashtra is part of this network and uses the IFSC code MAHG0007104 for all electronic settlement.

About this branch

The branch is located at HOUSE NO.1862(1) 1862(2) 1862 (3) PACHAL SHAKHA, A.P.PACHAL, TAL - RAJAPUR, DIST - RATNAGIRI,PIN-416704. It serves the Ratnagiri 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 MAHG0007104 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 PACHAL branch came to be assigned the code MAHG0007104.

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 MAHG0007104, money simply cannot be routed to the PACHAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Pachal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHG0007104 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC MAHG0007104

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 MAHG0007104 across all three.

How to use IFSC MAHG0007104 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra Gramin Bank's PACHAL 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 MAHG0007104.
4. Confirm the bank name auto-populates as Maharashtra Gramin Bank and the branch as PACHAL.
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 PACHAL

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra Gramin Bank's PACHAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHG0007104 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 – PACHAL, use IMPS. With IFSC MAHG0007104 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 MAHG0007104 for Maharashtra Gramin Bank – PACHAL, 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 Pachal 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 MAHG0007104

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 – PACHAL is still mapped to IFSC MAHG0007104. 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 MAHG0007104 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pachal branch is mapped to IFSC MAHG0007104 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 MAHG0007104.

Banking services available

The Pachal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2352-8087585975.

• 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 MAHG0007104

Digital banking channels

Most day-to-day work that customers used to do at the Pachal 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 MAHG0007104 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.

Reaching the branch

The Pachal branch sits at HOUSE NO.1862(1) 1862(2) 1862 (3) PACHAL SHAKHA, A.P.PACHAL, TAL - RAJAPUR, DIST - RATNAGIRI,PIN-416704. If you are travelling from outside Ratnagiri, search for the branch on a maps application using the bank name and locality, or call 2352-8087585975 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 MAHG0007104 and your account number.

Common mistakes to avoid when using IFSC MAHG0007104

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 – PACHAL, 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: MAHG0007104.
• 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.

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 Pachal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHG0007104, however, work 24x7.

Verifying IFSC MAHG0007104 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 MAHG0007104 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2352-8087585975.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHG0007104 is the IFSC code of Maharashtra Gramin Bank, PACHAL 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.