IFSC Code of Maharashtra State Cooperative Bank, Osamanabad Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Maharashtra State Cooperative Bank, OSAMANABAD branch in OSMANABAD. The 11-digit IFSC MSCI0082046 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 OSAMANABAD 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.

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 OSAMANABAD branch, the IFSC MSCI0082046 breaks down as follows: MSCI identifies the bank, 0 is the reserved character, and 082046 identifies this particular branch.

About Maharashtra State Cooperative Bank

Maharashtra State Cooperative Bank operates a wide network of branches across India, including the Osamanabad branch in Osmanabad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, MSCI0082046.

About this branch

The branch is located at SURVEY NO 1, PLOT NO 1, BARSHI NAKA,JIJAU CHOWK , OSMANABAD-413501. It serves the Osmanabad 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 MSCI0082046 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 OSAMANABAD of Maharashtra State Cooperative Bank — its own 11-character IFSC. The code MSCI0082046 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 MSCI0082046 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 MSCI0082046 and the account number together uniquely identify the Osamanabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MSCI0082046

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 MSCI0082046 across all three.

How to use IFSC MSCI0082046 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Maharashtra State Cooperative Bank's OSAMANABAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MSCI0082046.
4. Confirm the bank name auto-populates as Maharashtra State Cooperative Bank and the branch as OSAMANABAD.
5. 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 OSAMANABAD

If you need to transfer ₹2 lakh or more in one go to an account at Maharashtra State Cooperative Bank's OSAMANABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSCI0082046 while initiating the transfer and the credit will appear within minutes.

IMPS to Maharashtra State Cooperative Bank OSAMANABAD (IFSC MSCI0082046)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSCI0082046 in your mobile or internet banking app, and the money is credited to the OSAMANABAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MSCI0082046 for Maharashtra State Cooperative Bank – OSAMANABAD, 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.

For most retail customers crediting the Osamanabad 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 OSAMANABAD branch, the IFSC MSCI0082046 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 Osamanabad branch is mapped to IFSC MSCI0082046 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 MSCI0082046.

Products and services

Customers walking into the Osamanabad 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 MSCI0082046

Online banking and IFSC MSCI0082046

Maharashtra State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the OSAMANABAD 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 MSCI0082046 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.

How to reach the Osamanabad branch

The branch is located at SURVEY NO 1, PLOT NO 1, BARSHI NAKA,JIJAU CHOWK , OSMANABAD-413501, which puts it inside Osmanabad, the broader Osmanabad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Maharashtra State Cooperative Bank Osamanabad branch” — the verified location pin for IFSC MSCI0082046 should appear at the top of the results.
2. Confirm the branch is open by calling 2472-222944 before stepping out, especially around public holidays.
3. 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 MSCI0082046 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 – OSAMANABAD:

• The IFSC is exactly MSCI0082046 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 OSAMANABAD 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 Osamanabad 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 MSCI0082046 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MSCI0082046 for Maharashtra State Cooperative Bank – OSAMANABAD, 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 address & contact

Frequently asked questions

Summary

The IFSC code MSCI0082046 belongs to Maharashtra State Cooperative Bank's OSAMANABAD branch, located at SURVEY NO 1, PLOT NO 1, BARSHI NAKA,JIJAU CHOWK , OSMANABAD-413501 in OSMANABAD, 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.