IFSC Code of The Cosmos Cooperative Bank Limited, Bhuj, Kutch Branch, Gujarat

If you are searching for the IFSC code of The Cosmos Cooperative Bank Limited, BHUJ, KUTCH branch in BHUJ, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is COSB0000053. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHUJ, KUTCH branch, and detailed step-by-step guides for using the IFSC COSB0000053 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, COSB0000053 is the IFSC of The Cosmos Cooperative Bank Limited's BHUJ, KUTCH branch. The format is fixed: COSB = bank code, 0 = reserved, 000053 = branch identifier.

Branch details at a glance

Bank profile

The Cosmos Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhuj, Kutch branch — IFSC COSB0000053 — extends the bank's services to customers in and around Bhuj, Gujarat.

Bhuj, Kutch branch overview

Located at PLOTNO 75, CTS NO 1070, WARD NO 5 , OPP.SANJEEVANI HOSPITAL , HOSPITAL ROAD,BHUJ 370001, the Bhuj, Kutch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC COSB0000053 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 BHUJ, KUTCH branch came to be assigned the code COSB0000053.

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 COSB0000053, money simply cannot be routed to the BHUJ, KUTCH branch electronically.

How to transfer money using IFSC COSB0000053

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 COSB0000053 across all three.

NEFT to The Cosmos Cooperative Bank Limited, BHUJ, KUTCH using IFSC COSB0000053

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 COSB0000053, and confirm that the system picks up The Cosmos Cooperative Bank Limited – BHUJ, KUTCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHUJ, KUTCH

If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's BHUJ, KUTCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000053 while initiating the transfer and the credit will appear within minutes.

IMPS to The Cosmos Cooperative Bank Limited BHUJ, KUTCH (IFSC COSB0000053)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000053 in your mobile or internet banking app, and the money is credited to the BHUJ, KUTCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhuj, Kutch

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 COSB0000053:

• 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 BHUJ, KUTCH is still linked to IFSC COSB0000053.

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 COSB0000053

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 – BHUJ, KUTCH is still mapped to IFSC COSB0000053. 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 COSB0000053 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhuj, Kutch branch is mapped to IFSC COSB0000053 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 COSB0000053.

Products and services

Customers walking into the Bhuj, Kutch 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 COSB0000053

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 COSB0000053 and the account number together uniquely identify the Bhuj, Kutch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Bhuj, Kutch 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 COSB0000053 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.

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 – BHUJ, KUTCH:

• The IFSC is exactly COSB0000053 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 BHUJ, KUTCH 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 Bhuj, Kutch branch

The branch is located at PLOTNO 75, CTS NO 1070, WARD NO 5 , OPP.SANJEEVANI HOSPITAL , HOSPITAL ROAD,BHUJ 370001, which puts it inside Bhuj, the broader Kachchh 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 Bhuj, Kutch branch” — the verified location pin for IFSC COSB0000053 should appear at the top of the results.
2. Confirm the branch is open by calling 79-22164757 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 COSB0000053 and your account number.

Verifying IFSC COSB0000053 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 COSB0000053 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-22164757.
• Visiting the bank's official branch locator page.

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 Bhuj, Kutch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000053, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: COSB0000053 is the IFSC code of The Cosmos Cooperative Bank Limited, BHUJ, KUTCH branch, in BHUJ, 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.