Use this page as a one-stop reference for everything related to The Cosmos Cooperative Bank Limited's HIMMATNAGAR branch in HIMMATNAGAR, GUJARAT. The branch's IFSC code COSB0000178 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.
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 – HIMMATNAGAR is COSB0000178. The first four letters COSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000178 map to this branch in HIMMATNAGAR, GUJARAT.
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 Himmatnagar branch in Himmatnagar, Gujarat is part of this network and uses the IFSC code COSB0000178 for all electronic settlement.
Himmatnagar branch overview
Located at SHOP NO. 3 TO 6, BHAGVATI PRIME, MOTIPURA, HIMMATNAGER SABARKANTHA - 383001, the Himmatnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC COSB0000178 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | The Cosmos Cooperative Bank Limited |
|---|---|
| Branch | Himmatnagar |
| IFSC Code | COSB0000178 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO. 3 TO 6, BHAGVATI PRIME, MOTIPURA, HIMMATNAGER SABARKANTHA - 383001 |
| City | Himmatnagar |
| District | Sabarkantha |
| State | Gujarat |
| STD Code | 2772 |
| Phone | 9722327027 |
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 HIMMATNAGAR branch came to be assigned the code COSB0000178.
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 COSB0000178, money simply cannot be routed to the HIMMATNAGAR branch electronically.
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 COSB0000178 and the account number together uniquely identify the Himmatnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC COSB0000178
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 COSB0000178 across all three.
NEFT to The Cosmos Cooperative Bank Limited, HIMMATNAGAR using IFSC COSB0000178
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 COSB0000178, and confirm that the system picks up The Cosmos Cooperative Bank Limited – HIMMATNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC COSB0000178
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 – HIMMATNAGAR, ensure your bank's portal accepts IFSC COSB0000178 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Cosmos Cooperative Bank Limited HIMMATNAGAR (IFSC COSB0000178)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000178 in your mobile or internet banking app, and the money is credited to the HIMMATNAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC COSB0000178 for The Cosmos Cooperative Bank Limited – HIMMATNAGAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – COSB0000178 | Yes – COSB0000178 | Yes – COSB0000178 |
For most retail customers crediting the Himmatnagar 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 The Cosmos Cooperative Bank Limited's HIMMATNAGAR branch, the IFSC COSB0000178 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 Himmatnagar branch is mapped to IFSC COSB0000178 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 COSB0000178.
Banking services available
The Himmatnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2772-9722327027.
- 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 COSB0000178
Online banking and IFSC COSB0000178
The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HIMMATNAGAR 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 COSB0000178 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.
Reaching the branch
The Himmatnagar branch sits at SHOP NO. 3 TO 6, BHAGVATI PRIME, MOTIPURA, HIMMATNAGER SABARKANTHA - 383001. If you are travelling from outside Himmatnagar, search for the branch on a maps application using the bank name and locality, or call 2772-9722327027 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 COSB0000178 and your account number.
Common mistakes to avoid when using IFSC COSB0000178
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Cosmos Cooperative Bank Limited – HIMMATNAGAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
COSB0000178. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Working hours
Branch counters at Himmatnagar 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 COSB0000178 continue to work without interruption.
Verifying IFSC COSB0000178 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 COSB0000178 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2772-9722327027.
- Visiting the bank's official branch locator page.
Branch address & contact
The Cosmos Cooperative Bank LimitedHimmatnagar Branch
SHOP NO. 3 TO 6, BHAGVATI PRIME, MOTIPURA, HIMMATNAGER SABARKANTHA - 383001
Himmatnagar, Gujarat
Phone: 2772-9722327027
IFSC: COSB0000178
Frequently asked questions
Where is The Cosmos Cooperative Bank Limited Himmatnagar branch located?
The Cosmos Cooperative Bank Limited's Himmatnagar branch is located at SHOP NO. 3 TO 6, BHAGVATI PRIME, MOTIPURA, HIMMATNAGER SABARKANTHA - 383001, Himmatnagar, Gujarat.
What is the IFSC code of The Cosmos Cooperative Bank Limited Himmatnagar branch?
The IFSC code of The Cosmos Cooperative Bank Limited, Himmatnagar branch is COSB0000178. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add The Cosmos Cooperative Bank Limited Himmatnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC COSB0000178, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using COSB0000178 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Cosmos Cooperative Bank Limited – Himmatnagar reflect within 30 minutes.
Does The Cosmos Cooperative Bank Limited Himmatnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2772-9722327027 to confirm.
Is IFSC COSB0000178 valid for NEFT and RTGS?
Yes. IFSC COSB0000178 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of The Cosmos Cooperative Bank Limited Himmatnagar branch?
You can reach the branch at 2772-9722327027 during regular banking hours.
Summary
The IFSC code COSB0000178 belongs to The Cosmos Cooperative Bank Limited's HIMMATNAGAR branch, located at SHOP NO. 3 TO 6, BHAGVATI PRIME, MOTIPURA, HIMMATNAGER SABARKANTHA - 383001 in HIMMATNAGAR, GUJARAT. 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.
