Use this page as a one-stop reference for everything related to Maharashtra State Cooperative Bank's VIKHROLI branch in MUMBAI, MAHARASHTRA. The branch's IFSC code MSCI0082028 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 VIKHROLI branch, the IFSC MSCI0082028 breaks down as follows: MSCI identifies the bank, 0 is the reserved character, and 082028 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 Vikhroli branch in Mumbai, Maharashtra is part of this network and uses the IFSC code MSCI0082028 for all electronic settlement.
Vikhroli branch overview
Located at KANNAMWAR NAGAR MHB VIKHROLI E 400083, the Vikhroli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MSCI0082028 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Maharashtra State Cooperative Bank |
|---|---|
| Branch | Vikhroli |
| IFSC Code | MSCI0082028 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KANNAMWAR NAGAR MHB VIKHROLI E 400083 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 25781736 |
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 VIKHROLI branch came to be assigned the code MSCI0082028.
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 MSCI0082028, money simply cannot be routed to the VIKHROLI 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 MSCI0082028 and the account number together uniquely identify the Vikhroli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC MSCI0082028
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 MSCI0082028 across all three.
NEFT to Maharashtra State Cooperative Bank, VIKHROLI using IFSC MSCI0082028
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 MSCI0082028, and confirm that the system picks up Maharashtra State Cooperative Bank – VIKHROLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VIKHROLI
If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra State Cooperative Bank's VIKHROLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSCI0082028 while initiating the transfer and the credit will appear within minutes.
IMPS to Maharashtra State Cooperative Bank VIKHROLI (IFSC MSCI0082028)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSCI0082028 in your mobile or internet banking app, and the money is credited to the VIKHROLI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Vikhroli
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 MSCI0082028:
- 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 VIKHROLI is still linked to IFSC MSCI0082028.
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 VIKHROLI branch, the IFSC MSCI0082028 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 Vikhroli branch is mapped to IFSC MSCI0082028 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 MSCI0082028.
Banking services available
The Vikhroli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-25781736.
- 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 MSCI0082028
Digital banking channels
Most day-to-day work that customers used to do at the Vikhroli 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 MSCI0082028 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 Vikhroli branch
The branch is located at KANNAMWAR NAGAR MHB VIKHROLI E 400083, 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 Vikhroli branch” — the verified location pin for IFSC MSCI0082028 should appear at the top of the results.
- Confirm the branch is open by calling 20-25781736 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 MSCI0082028 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 – VIKHROLI:
- The IFSC is exactly MSCI0082028 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 VIKHROLI 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.
Working hours
Branch counters at Vikhroli 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 MSCI0082028 continue to work without interruption.
Verifying IFSC MSCI0082028 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 MSCI0082028 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-25781736.
- Visiting the bank's official branch locator page.
Branch address & contact
Maharashtra State Cooperative BankVikhroli Branch
KANNAMWAR NAGAR MHB VIKHROLI E 400083
Mumbai, Maharashtra
Phone: 20-25781736
IFSC: MSCI0082028
Frequently asked questions
How do I add Maharashtra State Cooperative Bank Vikhroli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MSCI0082028, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using MSCI0082028 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Maharashtra State Cooperative Bank – Vikhroli reflect within 30 minutes.
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 Vikhroli branch but serve different purposes.
What is the phone number of Maharashtra State Cooperative Bank Vikhroli branch?
You can reach the branch at 20-25781736 during regular banking hours.
Is IFSC MSCI0082028 the same for all accounts at Vikhroli branch?
Yes. The IFSC MSCI0082028 is shared by every account held at Maharashtra State Cooperative Bank's Vikhroli branch. Only the account number changes from customer to customer.
Is IFSC MSCI0082028 valid for NEFT and RTGS?
Yes. IFSC MSCI0082028 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Maharashtra State Cooperative Bank Vikhroli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 20-25781736 to confirm.
Summary
The IFSC code MSCI0082028 belongs to Maharashtra State Cooperative Bank's VIKHROLI branch, located at KANNAMWAR NAGAR MHB VIKHROLI E 400083 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.
