IFSC Code of The Cosmos Cooperative Bank Limited, Jayanagar Branch Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Cosmos Cooperative Bank Limited, JAYANAGAR BRANCH branch in BANGLORE. The 11-digit IFSC COSB0000159 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 The Cosmos Cooperative Bank Limited at the JAYANAGAR BRANCH 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Cosmos Cooperative Bank Limited – JAYANAGAR BRANCH is COSB0000159. The first four letters COSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000159 map to this branch in BANGLORE, KARNATAKA.

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 Jayanagar Branch branch in Banglore, Karnataka is part of this network and uses the IFSC code COSB0000159 for all electronic settlement.

About this branch

The branch is located at NO 309/1 9TH MAIN ROAD 39TH CROSS JAYANAGAR 5TH BLOCK BANGLORE 560041. It serves the Banglore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Cosmos Cooperative Bank Limited. The IFSC COSB0000159 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The Cosmos Cooperative Bank Limited 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 JAYANAGAR BRANCH of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000159 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 COSB0000159 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 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 COSB0000159 and the account number together uniquely identify the Jayanagar Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC COSB0000159

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 COSB0000159 across all three.

How to use IFSC COSB0000159 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 JAYANAGAR BRANCH 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 COSB0000159.
4. Confirm the bank name auto-populates as The Cosmos Cooperative Bank Limited and the branch as JAYANAGAR BRANCH.
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 JAYANAGAR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's JAYANAGAR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000159 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Cosmos Cooperative Bank Limited – JAYANAGAR BRANCH, use IMPS. With IFSC COSB0000159 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 COSB0000159 for The Cosmos Cooperative Bank Limited – JAYANAGAR BRANCH, 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 Jayanagar Branch 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.

UPI payments and IFSC COSB0000159

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 – JAYANAGAR BRANCH is still mapped to IFSC COSB0000159. 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 COSB0000159 and the beneficiary's account number to complete the transfer.

Account types you can open at the Jayanagar Branch branch

Once you have an account at The Cosmos Cooperative Bank Limited – JAYANAGAR BRANCH, the IFSC COSB0000159 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Jayanagar Branch 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 COSB0000159

Digital banking channels

Most day-to-day work that customers used to do at the Jayanagar Branch 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 COSB0000159 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.

Reaching the branch

The Jayanagar Branch branch sits at NO 309/1 9TH MAIN ROAD 39TH CROSS JAYANAGAR 5TH BLOCK BANGLORE 560041. If you are travelling from outside Banglore, search for the branch on a maps application using the bank name and locality, or call 80-26650030 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC COSB0000159 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 The Cosmos Cooperative Bank Limited – JAYANAGAR BRANCH:

• The IFSC is exactly COSB0000159 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 JAYANAGAR BRANCH 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 Jayanagar Branch 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 COSB0000159 continue to work without interruption.

Verifying IFSC COSB0000159 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 COSB0000159 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-26650030.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code COSB0000159 belongs to The Cosmos Cooperative Bank Limited's JAYANAGAR BRANCH branch, located at NO 309/1 9TH MAIN ROAD 39TH CROSS JAYANAGAR 5TH BLOCK BANGLORE 560041 in BANGLORE, KARNATAKA. 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.