IFSC Code of The Cosmos Cooperative Bank Limited, Bapunagar Branch, Gujarat

Below are the complete branch details for The Cosmos Cooperative Bank Limited, BAPUNAGAR branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is COSB0000055. 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 COSB0000055 for The Cosmos Cooperative Bank Limited – BAPUNAGAR — 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 The Cosmos Cooperative Bank Limited's BAPUNAGAR branch, the IFSC COSB0000055 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000055 identifies this particular branch.

About the bank

The Cosmos Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bapunagar branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code COSB0000055 for all electronic settlement.

Branch details at a glance

Bapunagar branch overview

Located at ANAND ESTATE, MUNICIPAL INDUSTRIAL CORNER, BAPUNAGAR AHMEDABAD 380024, the Bapunagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC COSB0000055 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 The Cosmos Cooperative Bank Limited's BAPUNAGAR branch came to be assigned the code COSB0000055.

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 COSB0000055, money simply cannot be routed to the BAPUNAGAR branch electronically.

Products and account variants supported

Every account opened at the Bapunagar branch is mapped to IFSC COSB0000055 on the RBI payments network. The branch generally supports the full retail product catalogue of The Cosmos Cooperative Bank Limited, 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 COSB0000055.

Products and services

Customers walking into the Bapunagar branch can access most of The Cosmos Cooperative Bank Limited'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 COSB0000055

How to transfer money using IFSC COSB0000055

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 COSB0000055 across all three.

How to use IFSC COSB0000055 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Cosmos Cooperative Bank Limited's BAPUNAGAR 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 COSB0000055.
4. Confirm the bank name auto-populates as The Cosmos Cooperative Bank Limited and the branch as BAPUNAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC COSB0000055

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 The Cosmos Cooperative Bank Limited – BAPUNAGAR, ensure your bank's portal accepts IFSC COSB0000055 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Cosmos Cooperative Bank Limited BAPUNAGAR (IFSC COSB0000055)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000055 in your mobile or internet banking app, and the money is credited to the BAPUNAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bapunagar

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 COSB0000055:

• 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 BAPUNAGAR is still linked to IFSC COSB0000055.

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.

UPI payments and IFSC COSB0000055

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 The Cosmos Cooperative Bank Limited – BAPUNAGAR is still mapped to IFSC COSB0000055. 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 COSB0000055 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Bapunagar 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 COSB0000055 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Cosmos Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC COSB0000055 and the account number together uniquely identify the Bapunagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 The Cosmos Cooperative Bank Limited – BAPUNAGAR:

• The IFSC is exactly COSB0000055 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Cosmos Cooperative Bank Limited as the bank name and BAPUNAGAR 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.

How to reach the Bapunagar branch

The branch is located at ANAND ESTATE, MUNICIPAL INDUSTRIAL CORNER, BAPUNAGAR AHMEDABAD 380024, which puts it inside Ahmedabad, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Cosmos Cooperative Bank Limited Bapunagar branch” — the verified location pin for IFSC COSB0000055 should appear at the top of the results.
2. Confirm the branch is open by calling 79-22740540 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 COSB0000055 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC COSB0000055 for The Cosmos Cooperative Bank Limited – BAPUNAGAR, 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 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 Bapunagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000055, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: COSB0000055 is the IFSC code of The Cosmos Cooperative Bank Limited, BAPUNAGAR branch, in AHMEDABAD, GUJARAT. 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.