IFSC Code of Maharashtra Gramin Bank, Regional Office, Ratnagiri Branch, Maharashtra

If you are searching for the IFSC code of Maharashtra Gramin Bank, REGIONAL OFFICE, RATNAGIRI branch in RATNAGIRI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is MAHG0007100. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the REGIONAL OFFICE, RATNAGIRI branch, and detailed step-by-step guides for using the IFSC MAHG0007100 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, MAHG0007100 is the IFSC of Maharashtra Gramin Bank's REGIONAL OFFICE, RATNAGIRI branch. The format is fixed: MAHG = bank code, 0 = reserved, 007100 = branch identifier.

Bank profile

Maharashtra Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Regional Office, Ratnagiri branch — IFSC MAHG0007100 — extends the bank's services to customers in and around Ratnagiri, Maharashtra.

Branch details at a glance

About this branch

The branch is located at BHAIRAVNATH KRUPA, 792P, OPPO APRADH HOSPITAL, MAZGAON ROAD, MARUTI MANDIR, TAL DIST-RATNAGIRI - 415612. 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 MAHG0007100 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 REGIONAL OFFICE, RATNAGIRI branch came to be assigned the code MAHG0007100.

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 MAHG0007100, money simply cannot be routed to the REGIONAL OFFICE, RATNAGIRI branch electronically.

Products and account variants supported

Every account opened at the Regional Office, Ratnagiri branch is mapped to IFSC MAHG0007100 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 MAHG0007100.

Banking services available

The Regional Office, Ratnagiri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2352-9423868157.

• 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 MAHG0007100

How to transfer money using IFSC MAHG0007100

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 MAHG0007100 across all three.

How to use IFSC MAHG0007100 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra Gramin Bank's REGIONAL OFFICE, RATNAGIRI 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 MAHG0007100.
4. Confirm the bank name auto-populates as Maharashtra Gramin Bank and the branch as REGIONAL OFFICE, RATNAGIRI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MAHG0007100

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 – REGIONAL OFFICE, RATNAGIRI, ensure your bank's portal accepts IFSC MAHG0007100 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Maharashtra Gramin Bank REGIONAL OFFICE, RATNAGIRI (IFSC MAHG0007100)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHG0007100 in your mobile or internet banking app, and the money is credited to the REGIONAL OFFICE, RATNAGIRI branch account within seconds.

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

All three modes accept the IFSC MAHG0007100 for Maharashtra Gramin Bank – REGIONAL OFFICE, RATNAGIRI, 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 Regional Office, Ratnagiri 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 REGIONAL OFFICE, RATNAGIRI branch, the IFSC MAHG0007100 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.

Digital banking channels

Most day-to-day work that customers used to do at the Regional Office, Ratnagiri 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 MAHG0007100 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 MAHG0007100 and the account number together uniquely identify the Regional Office, Ratnagiri 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 – REGIONAL OFFICE, RATNAGIRI:

• The IFSC is exactly MAHG0007100 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 REGIONAL OFFICE, RATNAGIRI 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 Regional Office, Ratnagiri branch sits at BHAIRAVNATH KRUPA, 792P, OPPO APRADH HOSPITAL, MAZGAON ROAD, MARUTI MANDIR, TAL DIST-RATNAGIRI - 415612. If you are travelling from outside Ratnagiri, search for the branch on a maps application using the bank name and locality, or call 2352-9423868157 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 MAHG0007100 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHG0007100 for Maharashtra Gramin Bank – REGIONAL OFFICE, RATNAGIRI, 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 Regional Office, Ratnagiri 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 MAHG0007100 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MAHG0007100 belongs to Maharashtra Gramin Bank's REGIONAL OFFICE, RATNAGIRI branch, located at BHAIRAVNATH KRUPA, 792P, OPPO APRADH HOSPITAL, MAZGAON ROAD, MARUTI MANDIR,… in RATNAGIRI, 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.