Use this page as a one-stop reference for everything related to Maharashtra State Cooperative Bank's TREASURY branch in MUMBAI, MAHARASHTRA. The branch's IFSC code MSCI0082102 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 TREASURY branch, the IFSC MSCI0082102 breaks down as follows: MSCI identifies the bank, 0 is the reserved character, and 082102 identifies this particular branch.
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 Treasury branch in Mumbai, Maharashtra is part of this network and uses the IFSC code MSCI0082102 for all electronic settlement.
About the Treasury branch
The Treasury branch of Maharashtra State Cooperative Bank is situated at VAIKUNTHBHAI MEHTA SMRUTIBHAVAN, SHAHID BHAGAT SINGH ROAD, FORT, MUMBAI-400001. 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 MSCI0082102 is used.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | Treasury |
| IFSC Code | MSCI0082102 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VAIKUNTHBHAI MEHTA SMRUTIBHAVAN, SHAHID BHAGAT SINGH ROAD, FORT, MUMBAI-400001 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 69801080 |
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 TREASURY of Maharashtra State Cooperative Bank — its own 11-character IFSC. The code MSCI0082102 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 MSCI0082102 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 MSCI0082102 and the account number together uniquely identify the Treasury branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC MSCI0082102
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 MSCI0082102 across all three.
NEFT to Maharashtra State Cooperative Bank, TREASURY using IFSC MSCI0082102
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 MSCI0082102, and confirm that the system picks up Maharashtra State Cooperative Bank – TREASURY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC MSCI0082102
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 – TREASURY, ensure your bank's portal accepts IFSC MSCI0082102 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 – TREASURY, use IMPS. With IFSC MSCI0082102 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Treasury
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 MSCI0082102:
- 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 TREASURY is still linked to IFSC MSCI0082102.
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 TREASURY branch, the IFSC MSCI0082102 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 Treasury branch is mapped to IFSC MSCI0082102 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 MSCI0082102.
Banking services available
The Treasury branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-69801080.
- 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 MSCI0082102
Digital banking channels
Most day-to-day work that customers used to do at the Treasury 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 MSCI0082102 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 Treasury branch
The branch is located at VAIKUNTHBHAI MEHTA SMRUTIBHAVAN, SHAHID BHAGAT SINGH ROAD, 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 Treasury branch” — the verified location pin for IFSC MSCI0082102 should appear at the top of the results.
- Confirm the branch is open by calling 22-69801080 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 MSCI0082102 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 – TREASURY:
- The IFSC is exactly MSCI0082102 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 TREASURY 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 Treasury branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSCI0082102, however, work 24x7.
Verifying IFSC MSCI0082102 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 MSCI0082102 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-69801080.
- Visiting the bank's official branch locator page.
Branch address & contact
Maharashtra State Cooperative BankTreasury Branch
VAIKUNTHBHAI MEHTA SMRUTIBHAVAN, SHAHID BHAGAT SINGH ROAD, FORT, MUMBAI-400001
Mumbai, Maharashtra
Phone: 22-69801080
IFSC: MSCI0082102
Frequently asked questions
How quickly will an NEFT transfer using MSCI0082102 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Maharashtra State Cooperative Bank – Treasury reflect within 30 minutes.
What is the phone number of Maharashtra State Cooperative Bank Treasury branch?
You can reach the branch at 22-69801080 during regular banking hours.
How do I add Maharashtra State Cooperative Bank Treasury as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MSCI0082102, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC MSCI0082102 the same for all accounts at Treasury branch?
Yes. The IFSC MSCI0082102 is shared by every account held at Maharashtra State Cooperative Bank's Treasury branch. Only the account number changes from customer to customer.
Can I use IFSC MSCI0082102 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MSCI0082102 to send funds instantly.
Where is Maharashtra State Cooperative Bank Treasury branch located?
Maharashtra State Cooperative Bank's Treasury branch is located at VAIKUNTHBHAI MEHTA SMRUTIBHAVAN, SHAHID BHAGAT SINGH ROAD, FORT, MUMBAI-400001, 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 Treasury branch but serve different purposes.
Does Maharashtra State Cooperative Bank Treasury branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-69801080 to confirm.
Final notes
To recap: MSCI0082102 is the IFSC code of Maharashtra State Cooperative Bank, TREASURY 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.
