Below are the complete branch details for Maharashtra State Cooperative Bank, GOREGAON branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MSCI0082019. 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 MSCI0082019 for Maharashtra State Cooperative Bank – GOREGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, MSCI0082019 is the IFSC of Maharashtra State Cooperative Bank's GOREGAON branch. The format is fixed: MSCI = bank code, 0 = reserved, 082019 = branch identifier.
Bank profile
Maharashtra State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Goregaon branch — IFSC MSCI0082019 — extends the bank's services to customers in and around Mumbai, Maharashtra.
About this branch
The branch is located at 67 HEMVILLA JAWAHAR NAGAR GOREGAON(W) 400062. 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 MSCI0082019 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | Goregaon |
| IFSC Code | MSCI0082019 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 67 HEMVILLA JAWAHAR NAGAR GOREGAON(W) 400062 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 28722131 |
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 State Cooperative Bank's GOREGAON branch came to be assigned the code MSCI0082019.
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 MSCI0082019, money simply cannot be routed to the GOREGAON branch electronically.
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 MSCI0082019 and the account number together uniquely identify the Goregaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC MSCI0082019
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 MSCI0082019 across all three.
How to use IFSC MSCI0082019 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra State Cooperative Bank's GOREGAON 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 MSCI0082019.
- Confirm the bank name auto-populates as Maharashtra State Cooperative Bank and the branch as GOREGAON.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC MSCI0082019
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 – GOREGAON, ensure your bank's portal accepts IFSC MSCI0082019 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 – GOREGAON, use IMPS. With IFSC MSCI0082019 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 MSCI0082019 for Maharashtra State Cooperative Bank – GOREGAON, 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 – MSCI0082019 | Yes – MSCI0082019 | Yes – MSCI0082019 |
For most retail customers crediting the Goregaon 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 MSCI0082019
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 – GOREGAON is still mapped to IFSC MSCI0082019. 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 MSCI0082019 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Goregaon branch is mapped to IFSC MSCI0082019 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 MSCI0082019.
Products and services
Customers walking into the Goregaon 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 MSCI0082019
Digital banking channels
Most day-to-day work that customers used to do at the Goregaon 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 MSCI0082019 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.
How to reach the Goregaon branch
The branch is located at 67 HEMVILLA JAWAHAR NAGAR GOREGAON(W) 400062, 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 Goregaon branch” — the verified location pin for IFSC MSCI0082019 should appear at the top of the results.
- Confirm the branch is open by calling 20-28722131 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 MSCI0082019 and your account number.
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 – GOREGAON:
- The IFSC is exactly MSCI0082019 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 GOREGAON 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.
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 Goregaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSCI0082019, however, work 24x7.
Verifying IFSC MSCI0082019 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 MSCI0082019 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-28722131.
- Visiting the bank's official branch locator page.
Branch address & contact
Maharashtra State Cooperative BankGoregaon Branch
67 HEMVILLA JAWAHAR NAGAR GOREGAON(W) 400062
Mumbai, Maharashtra
Phone: 20-28722131
IFSC: MSCI0082019
Frequently asked questions
Is IFSC MSCI0082019 valid for NEFT and RTGS?
Yes. IFSC MSCI0082019 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC MSCI0082019 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MSCI0082019 to send funds instantly.
Where is Maharashtra State Cooperative Bank Goregaon branch located?
Maharashtra State Cooperative Bank's Goregaon branch is located at 67 HEMVILLA JAWAHAR NAGAR GOREGAON(W) 400062, Mumbai, Maharashtra.
How do I add Maharashtra State Cooperative Bank Goregaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MSCI0082019, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Goregaon branch but serve different purposes.
Is IFSC MSCI0082019 the same for all accounts at Goregaon branch?
Yes. The IFSC MSCI0082019 is shared by every account held at Maharashtra State Cooperative Bank's Goregaon branch. Only the account number changes from customer to customer.
What is the phone number of Maharashtra State Cooperative Bank Goregaon branch?
You can reach the branch at 20-28722131 during regular banking hours.
Final notes
To recap: MSCI0082019 is the IFSC code of Maharashtra State Cooperative Bank, GOREGAON branch, in MUMBAI, 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.
