Below are the complete branch details for Maharashtra State Cooperative Bank, JALGAON branch, located in JALGAON, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MSCI0082045. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case MSCI0082045 for Maharashtra State Cooperative Bank – JALGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 State Cooperative Bank – JALGAON is MSCI0082045. The first four letters MSCI are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 082045 map to this branch in JALGAON, MAHARASHTRA.
Bank profile
Maharashtra State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jalgaon branch — IFSC MSCI0082045 — extends the bank's services to customers in and around Jalgaon, Maharashtra.
About this branch
The branch is located at 1ST FLOOR,VALLABHDAS VALJI MUNICIPAL MARKET,GOLANI MARKET,CS NO 2111-A1, NAVI PETH, JALGAON-425001. It serves the Jalgaon 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 State Cooperative Bank. The IFSC MSCI0082045 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | Jalgaon |
| IFSC Code | MSCI0082045 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FLOOR,VALLABHDAS VALJI MUNICIPAL MARKET,GOLANI MARKET,CS NO 2111-A1, NAVI PETH, JALGAON-425001 |
| City | Jalgaon |
| District | Jalgaon |
| State | Maharashtra |
| STD Code | 257 |
| Phone | 2233939 |
Why every Maharashtra State Cooperative 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 JALGAON of Maharashtra State Cooperative Bank — its own 11-character IFSC. The code MSCI0082045 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 MSCI0082045 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Maharashtra State Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MSCI0082045 and the account number together uniquely identify the Jalgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC MSCI0082045
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 MSCI0082045 across all three.
How to use IFSC MSCI0082045 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra State Cooperative Bank's JALGAON 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC MSCI0082045.
- Confirm the bank name auto-populates as Maharashtra State Cooperative Bank and the branch as JALGAON.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC MSCI0082045
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 State Cooperative Bank – JALGAON, ensure your bank's portal accepts IFSC MSCI0082045 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Maharashtra State Cooperative Bank – JALGAON, use IMPS. With IFSC MSCI0082045 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 MSCI0082045 for Maharashtra State Cooperative Bank – JALGAON, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – MSCI0082045 | Yes – MSCI0082045 | Yes – MSCI0082045 |
For most retail customers crediting the Jalgaon 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 State Cooperative Bank's JALGAON branch, the IFSC MSCI0082045 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 Jalgaon branch is mapped to IFSC MSCI0082045 on the RBI payments network. The branch generally supports the full retail product catalogue of Maharashtra State Cooperative 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 MSCI0082045.
Products and services
Customers walking into the Jalgaon branch can access most of Maharashtra State Cooperative 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 MSCI0082045
Online banking and IFSC MSCI0082045
Maharashtra State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the JALGAON 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 MSCI0082045 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.
How to reach the Jalgaon branch
The branch is located at 1ST FLOOR,VALLABHDAS VALJI MUNICIPAL MARKET,GOLANI MARKET,CS NO 2111-A1, NAVI PETH, JALGAON-425001, which puts it inside Jalgaon, the broader Jalgaon district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Maharashtra State Cooperative Bank Jalgaon branch” — the verified location pin for IFSC MSCI0082045 should appear at the top of the results.
- Confirm the branch is open by calling 257-2233939 before stepping out, especially around public holidays.
- 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 MSCI0082045 and your account number.
Common mistakes to avoid when using IFSC MSCI0082045
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 State Cooperative Bank – JALGAON, 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:
MSCI0082045. - 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.
Working hours
Branch counters at Jalgaon 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 MSCI0082045 continue to work without interruption.
Verifying IFSC MSCI0082045 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 MSCI0082045 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 257-2233939.
- Visiting the bank's official branch locator page.
Branch address & contact
Maharashtra State Cooperative BankJalgaon Branch
1ST FLOOR,VALLABHDAS VALJI MUNICIPAL MARKET,GOLANI MARKET,CS NO 2111-A1, NAVI PETH, JALGAON-425001
Jalgaon, Maharashtra
Phone: 257-2233939
IFSC: MSCI0082045
Frequently asked questions
Is IFSC MSCI0082045 valid for NEFT and RTGS?
Yes. IFSC MSCI0082045 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Maharashtra State Cooperative Bank Jalgaon branch located?
Maharashtra State Cooperative Bank's Jalgaon branch is located at 1ST FLOOR,VALLABHDAS VALJI MUNICIPAL MARKET,GOLANI MARKET,CS NO 2111-A1, NAVI PETH, JALGAON-425001, Jalgaon, Maharashtra.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Jalgaon branch but serve different purposes.
Is IFSC MSCI0082045 the same for all accounts at Jalgaon branch?
Yes. The IFSC MSCI0082045 is shared by every account held at Maharashtra State Cooperative Bank's Jalgaon branch. Only the account number changes from customer to customer.
How do I add Maharashtra State Cooperative Bank Jalgaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MSCI0082045, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Maharashtra State Cooperative Bank Jalgaon branch?
You can reach the branch at 257-2233939 during regular banking hours.
Can I use IFSC MSCI0082045 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MSCI0082045 to send funds instantly.
How quickly will an NEFT transfer using MSCI0082045 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Maharashtra State Cooperative Bank – Jalgaon reflect within 30 minutes.
Final notes
To recap: MSCI0082045 is the IFSC code of Maharashtra State Cooperative Bank, JALGAON branch, in JALGAON, 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.
