Use this page as a one-stop reference for everything related to Maharashtra State Cooperative Bank's KOLHAPUR branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code MSCI0082038 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.
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 State Cooperative Bank's KOLHAPUR branch, the IFSC MSCI0082038 breaks down as follows: MSCI identifies the bank, 0 is the reserved character, and 082038 identifies this particular branch.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | Kolhapur |
| IFSC Code | MSCI0082038 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 451/1, E WARD, KEVISPLAZA, VENUS CORNER, STATION ROAD, KOLHAPUR - 416 001 |
| City | Kolhapur |
| District | Kolhapur |
| State | Maharashtra |
| STD Code | 231 |
| Phone | 2530700 |
About the bank
Maharashtra State Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kolhapur branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code MSCI0082038 for all electronic settlement.
About the Kolhapur branch
The Kolhapur branch of Maharashtra State Cooperative Bank is situated at 451/1, E WARD, KEVISPLAZA, VENUS CORNER, STATION ROAD, KOLHAPUR - 416 001. 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 MSCI0082038 is used.
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 KOLHAPUR of Maharashtra State Cooperative Bank — its own 11-character IFSC. The code MSCI0082038 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 MSCI0082038 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 MSCI0082038
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 MSCI0082038 across all three.
NEFT to Maharashtra State Cooperative Bank, KOLHAPUR using IFSC MSCI0082038
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC MSCI0082038, and confirm that the system picks up Maharashtra State Cooperative Bank – KOLHAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC MSCI0082038
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 – KOLHAPUR, ensure your bank's portal accepts IFSC MSCI0082038 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Maharashtra State Cooperative Bank KOLHAPUR (IFSC MSCI0082038)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSCI0082038 in your mobile or internet banking app, and the money is credited to the KOLHAPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kolhapur
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 MSCI0082038:
- 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 KOLHAPUR is still linked to IFSC MSCI0082038.
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 State Cooperative Bank's KOLHAPUR branch, the IFSC MSCI0082038 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 Kolhapur branch is mapped to IFSC MSCI0082038 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 MSCI0082038.
Banking services available
The Kolhapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2530700.
- 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 MSCI0082038
MICR & cheque-truncation details
Cheques drawn on the Kolhapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MSCI0082038 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC MSCI0082038
Maharashtra State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KOLHAPUR 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 MSCI0082038 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 MSCI0082038
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 – KOLHAPUR, 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:
MSCI0082038. - 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 Kolhapur branch
The branch is located at 451/1, E WARD, KEVISPLAZA, VENUS CORNER, STATION ROAD, KOLHAPUR - 416 001, which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Maharashtra State Cooperative Bank Kolhapur branch” — the verified location pin for IFSC MSCI0082038 should appear at the top of the results.
- Confirm the branch is open by calling 231-2530700 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 MSCI0082038 and your account number.
Verifying IFSC MSCI0082038 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 MSCI0082038 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 231-2530700.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kolhapur 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 MSCI0082038 continue to work without interruption.
Branch address & contact
Maharashtra State Cooperative BankKolhapur Branch
451/1, E WARD, KEVISPLAZA, VENUS CORNER, STATION ROAD, KOLHAPUR - 416 001
Kolhapur, Maharashtra
Phone: 231-2530700
IFSC: MSCI0082038
Frequently asked questions
What is the phone number of Maharashtra State Cooperative Bank Kolhapur branch?
You can reach the branch at 231-2530700 during regular banking hours.
Can I use IFSC MSCI0082038 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MSCI0082038 to send funds instantly.
Does Maharashtra State Cooperative Bank Kolhapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 231-2530700 to confirm.
Is IFSC MSCI0082038 valid for NEFT and RTGS?
Yes. IFSC MSCI0082038 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Kolhapur branch but serve different purposes.
What is the IFSC code of Maharashtra State Cooperative Bank Kolhapur branch?
The IFSC code of Maharashtra State Cooperative Bank, Kolhapur branch is MSCI0082038. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Maharashtra State Cooperative Bank Kolhapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MSCI0082038, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code MSCI0082038 belongs to Maharashtra State Cooperative Bank's KOLHAPUR branch, located at 451/1, E WARD, KEVISPLAZA, VENUS CORNER, STATION ROAD, KOLHAPUR - 416 001 in KOLHAPUR, 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.
