Below are the complete branch details for Maharashtra State Cooperative Bank, RTGS-HO branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MSCI0082002. 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 MSCI0082002 for Maharashtra State Cooperative Bank – RTGS-HO — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 RTGS-HO branch, the IFSC MSCI0082002 breaks down as follows: MSCI identifies the bank, 0 is the reserved character, and 082002 identifies this particular branch.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | RTGS-HO |
| IFSC Code | MSCI0082002 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 9, MAHARASHTRA CHAMBER OF COMMERCE LANE, FORT, MUMBAI 400001 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 22800654 |
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 RTGS-HO branch in Mumbai, Maharashtra is part of this network and uses the IFSC code MSCI0082002 for all electronic settlement.
RTGS-HO branch overview
Located at 9, MAHARASHTRA CHAMBER OF COMMERCE LANE, FORT, MUMBAI 400001, the RTGS-HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MSCI0082002 is required for all interbank electronic transfers routed through this branch.
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 RTGS-HO branch came to be assigned the code MSCI0082002.
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 MSCI0082002, money simply cannot be routed to the RTGS-HO branch electronically.
How to transfer money using IFSC MSCI0082002
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 MSCI0082002 across all three.
How to use IFSC MSCI0082002 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra State Cooperative Bank's RTGS-HO 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 MSCI0082002.
- Confirm the bank name auto-populates as Maharashtra State Cooperative Bank and the branch as RTGS-HO.
- 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 RTGS-HO
If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra State Cooperative Bank's RTGS-HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSCI0082002 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Maharashtra State Cooperative Bank – RTGS-HO, use IMPS. With IFSC MSCI0082002 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 MSCI0082002 for Maharashtra State Cooperative Bank – RTGS-HO, 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 – MSCI0082002 | Yes – MSCI0082002 | Yes – MSCI0082002 |
For most retail customers crediting the RTGS-HO 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 RTGS-HO branch, the IFSC MSCI0082002 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 RTGS-HO branch is mapped to IFSC MSCI0082002 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 MSCI0082002.
Products and services
Customers walking into the RTGS-HO 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 MSCI0082002
MICR & cheque-truncation details
Cheques drawn on the RTGS-HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MSCI0082002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC MSCI0082002
Maharashtra State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the RTGS-HO 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 MSCI0082002 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 MSCI0082002
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 – RTGS-HO, 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:
MSCI0082002. - 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 RTGS-HO branch
The branch is located at 9, MAHARASHTRA CHAMBER OF COMMERCE LANE, FORT, MUMBAI 400001, 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 RTGS-HO branch” — the verified location pin for IFSC MSCI0082002 should appear at the top of the results.
- Confirm the branch is open by calling 20-22800654 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 MSCI0082002 and your account number.
Verifying IFSC MSCI0082002 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 MSCI0082002 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-22800654.
- Visiting the bank's official branch locator page.
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 RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSCI0082002, however, work 24x7.
Branch address & contact
Maharashtra State Cooperative BankRTGS-HO Branch
9, MAHARASHTRA CHAMBER OF COMMERCE LANE, FORT, MUMBAI 400001
Mumbai, Maharashtra
Phone: 20-22800654
IFSC: MSCI0082002
Frequently asked questions
Where is Maharashtra State Cooperative Bank RTGS-HO branch located?
Maharashtra State Cooperative Bank's RTGS-HO branch is located at 9, MAHARASHTRA CHAMBER OF COMMERCE LANE, FORT, MUMBAI 400001, Mumbai, Maharashtra.
What is the phone number of Maharashtra State Cooperative Bank RTGS-HO branch?
You can reach the branch at 20-22800654 during regular banking hours.
Does Maharashtra State Cooperative Bank RTGS-HO branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 20-22800654 to confirm.
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 RTGS-HO branch but serve different purposes.
Is IFSC MSCI0082002 valid for NEFT and RTGS?
Yes. IFSC MSCI0082002 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC MSCI0082002 the same for all accounts at RTGS-HO branch?
Yes. The IFSC MSCI0082002 is shared by every account held at Maharashtra State Cooperative Bank's RTGS-HO branch. Only the account number changes from customer to customer.
Summary
The IFSC code MSCI0082002 belongs to Maharashtra State Cooperative Bank's RTGS-HO branch, located at 9, MAHARASHTRA CHAMBER OF COMMERCE LANE, FORT, MUMBAI 400001 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.
