This page lists the IFSC code, branch address, contact number and fund-transfer information for Maharashtra State Cooperative Bank, BYCULLA branch in MUMBAI. The 11-digit IFSC MSCI0082033 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 State Cooperative Bank at the BYCULLA 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.
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 – BYCULLA is MSCI0082033. The first four letters MSCI are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 082033 map to this branch in MUMBAI, MAHARASHTRA.
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 Byculla branch in Mumbai, Maharashtra is part of this network and uses the IFSC code MSCI0082033 for all electronic settlement.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | Byculla |
| IFSC Code | MSCI0082033 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SEVA NIKETAN S.J.J. RD BYCULLA 400008 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 23084158 |
About this branch
The branch is located at SEVA NIKETAN S.J.J. RD BYCULLA 400008. It serves the Mumbai 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 MSCI0082033 is used to identify this branch on the RBI payments network.
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 BYCULLA of Maharashtra State Cooperative Bank — its own 11-character IFSC. The code MSCI0082033 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 MSCI0082033 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Byculla branch is mapped to IFSC MSCI0082033 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 MSCI0082033.
Banking services available
The Byculla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-23084158.
- 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 MSCI0082033
How to transfer money using IFSC MSCI0082033
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 MSCI0082033 across all three.
NEFT to Maharashtra State Cooperative Bank, BYCULLA using IFSC MSCI0082033
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 MSCI0082033, and confirm that the system picks up Maharashtra State Cooperative Bank – BYCULLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC MSCI0082033
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 – BYCULLA, ensure your bank's portal accepts IFSC MSCI0082033 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 – BYCULLA, use IMPS. With IFSC MSCI0082033 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 MSCI0082033 for Maharashtra State Cooperative Bank – BYCULLA, 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 – MSCI0082033 | Yes – MSCI0082033 | Yes – MSCI0082033 |
For most retail customers crediting the Byculla 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 MSCI0082033
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 State Cooperative Bank – BYCULLA is still mapped to IFSC MSCI0082033. 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 MSCI0082033 and the beneficiary's account number to complete the transfer.
Online banking and IFSC MSCI0082033
Maharashtra State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the BYCULLA 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 MSCI0082033 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.
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 MSCI0082033 and the account number together uniquely identify the Byculla 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 State Cooperative Bank – BYCULLA:
- The IFSC is exactly MSCI0082033 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Maharashtra State Cooperative Bank as the bank name and BYCULLA 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.
How to reach the Byculla branch
The branch is located at SEVA NIKETAN S.J.J. RD BYCULLA 400008, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Maharashtra State Cooperative Bank Byculla branch” — the verified location pin for IFSC MSCI0082033 should appear at the top of the results.
- Confirm the branch is open by calling 20-23084158 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 MSCI0082033 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC MSCI0082033 for Maharashtra State Cooperative Bank – BYCULLA, 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 Byculla branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSCI0082033, however, work 24x7.
Branch address & contact
Maharashtra State Cooperative BankByculla Branch
SEVA NIKETAN S.J.J. RD BYCULLA 400008
Mumbai, Maharashtra
Phone: 20-23084158
IFSC: MSCI0082033
Frequently asked questions
How do I add Maharashtra State Cooperative Bank Byculla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MSCI0082033, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC MSCI0082033 valid for NEFT and RTGS?
Yes. IFSC MSCI0082033 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC MSCI0082033 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MSCI0082033 to send funds instantly.
Is IFSC MSCI0082033 the same for all accounts at Byculla branch?
Yes. The IFSC MSCI0082033 is shared by every account held at Maharashtra State Cooperative Bank's Byculla branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using MSCI0082033 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Maharashtra State Cooperative Bank – Byculla reflect within 30 minutes.
Where is Maharashtra State Cooperative Bank Byculla branch located?
Maharashtra State Cooperative Bank's Byculla branch is located at SEVA NIKETAN S.J.J. RD BYCULLA 400008, Mumbai, 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 Byculla branch but serve different purposes.
What is the IFSC code of Maharashtra State Cooperative Bank Byculla branch?
The IFSC code of Maharashtra State Cooperative Bank, Byculla branch is MSCI0082033. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code MSCI0082033 belongs to Maharashtra State Cooperative Bank's BYCULLA branch, located at SEVA NIKETAN S.J.J. RD BYCULLA 400008 in MUMBAI, 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.
