IFSC Code of Maharashtra Gramin Bank, Gharphal Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Maharashtra Gramin Bank, GHARPHAL branch in YAVATMAL. The 11-digit IFSC MAHG0007805 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 GHARPHAL 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.

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, MAHG0007805 is the IFSC of Maharashtra Gramin Bank's GHARPHAL branch. The format is fixed: MAHG = bank code, 0 = reserved, 007805 = branch identifier.

Branch details at a glance

About Maharashtra Gramin Bank

Maharashtra Gramin Bank operates a wide network of branches across India, including the Gharphal branch in Yavatmal. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, MAHG0007805.

About this branch

The branch is located at AT PO - GHARPHAL,TQ- BABHULGAON, DIST YAVATMAL - 445101. It serves the Yavatmal 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 MAHG0007805 is used to identify this branch on the RBI payments network.

Why every Maharashtra Gramin Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GHARPHAL of Maharashtra Gramin Bank — its own 11-character IFSC. The code MAHG0007805 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC MAHG0007805 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC MAHG0007805

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 MAHG0007805 across all three.

How to use IFSC MAHG0007805 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra Gramin Bank's GHARPHAL 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 MAHG0007805.
4. Confirm the bank name auto-populates as Maharashtra Gramin Bank and the branch as GHARPHAL.
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 GHARPHAL

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra Gramin Bank's GHARPHAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHG0007805 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 – GHARPHAL, use IMPS. With IFSC MAHG0007805 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 Gharphal

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 MAHG0007805:

• 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 GHARPHAL is still linked to IFSC MAHG0007805.

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.

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 GHARPHAL branch, the IFSC MAHG0007805 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 Gharphal branch is mapped to IFSC MAHG0007805 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 MAHG0007805.

Products and services

Customers walking into the Gharphal 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 MAHG0007805

MICR & cheque-truncation details

Cheques drawn on the Gharphal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHG0007805 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC MAHG0007805

Maharashtra Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the GHARPHAL 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 MAHG0007805 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.

Common mistakes to avoid when using IFSC MAHG0007805

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 – GHARPHAL, 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: MAHG0007805.
• 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 Gharphal branch

The branch is located at AT PO - GHARPHAL,TQ- BABHULGAON, DIST YAVATMAL - 445101, which puts it inside Yavatmal, the broader Yavatmal district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Maharashtra Gramin Bank Gharphal branch” — the verified location pin for IFSC MAHG0007805 should appear at the top of the results.
2. Confirm the branch is open by calling 7232-7276781646 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 MAHG0007805 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHG0007805 for Maharashtra Gramin Bank – GHARPHAL, 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.

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 Gharphal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MAHG0007805, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHG0007805 is the IFSC code of Maharashtra Gramin Bank, GHARPHAL branch, in YAVATMAL, 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.