IFSC Code of The Cosmos Cooperative Bank Limited, Johnson Grammar School Branch Branch, Andhra Pradesh

Below are the complete branch details for The Cosmos Cooperative Bank Limited, JOHNSON GRAMMAR SCHOOL BRANCH branch, located in HYDERABAD, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is COSB0000913. 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 COSB0000913 for The Cosmos Cooperative Bank Limited – JOHNSON GRAMMAR SCHOOL BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, COSB0000913 is the IFSC of The Cosmos Cooperative Bank Limited's JOHNSON GRAMMAR SCHOOL BRANCH branch. The format is fixed: COSB = bank code, 0 = reserved, 000913 = branch identifier.

Branch details at a glance

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 Johnson Grammar School Branch branch in Hyderabad, Andhra Pradesh is part of this network and uses the IFSC code COSB0000913 for all electronic settlement.

Johnson Grammar School Branch branch overview

Located at JOHNSON GRAMMAR SCHOOL,RAGHAVENDRA NAGAR, NACHARAM, HYDERABAD 500076, the Johnson Grammar School Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC COSB0000913 is required for all interbank electronic transfers routed through this branch.

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 JOHNSON GRAMMAR SCHOOL BRANCH of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000913 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 COSB0000913 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC COSB0000913

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 COSB0000913 across all three.

NEFT to The Cosmos Cooperative Bank Limited, JOHNSON GRAMMAR SCHOOL BRANCH using IFSC COSB0000913

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 COSB0000913, and confirm that the system picks up The Cosmos Cooperative Bank Limited – JOHNSON GRAMMAR SCHOOL BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC COSB0000913

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 – JOHNSON GRAMMAR SCHOOL BRANCH, ensure your bank's portal accepts IFSC COSB0000913 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Cosmos Cooperative Bank Limited JOHNSON GRAMMAR SCHOOL BRANCH (IFSC COSB0000913)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000913 in your mobile or internet banking app, and the money is credited to the JOHNSON GRAMMAR SCHOOL BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Johnson Grammar School Branch

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 COSB0000913:

• 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 JOHNSON GRAMMAR SCHOOL BRANCH is still linked to IFSC COSB0000913.

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 COSB0000913

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 – JOHNSON GRAMMAR SCHOOL BRANCH is still mapped to IFSC COSB0000913. 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 COSB0000913 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Johnson Grammar School Branch branch is mapped to IFSC COSB0000913 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 COSB0000913.

Banking services available

The Johnson Grammar School Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 40-27177562.

• 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 COSB0000913

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 COSB0000913 and the account number together uniquely identify the Johnson Grammar School Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC COSB0000913

The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JOHNSON GRAMMAR SCHOOL BRANCH 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 COSB0000913 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.

Common mistakes to avoid when using IFSC COSB0000913

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 – JOHNSON GRAMMAR SCHOOL BRANCH, 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: COSB0000913.
• 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.

Reaching the branch

The Johnson Grammar School Branch branch sits at JOHNSON GRAMMAR SCHOOL,RAGHAVENDRA NAGAR, NACHARAM, HYDERABAD 500076. If you are travelling from outside Hyderabad, search for the branch on a maps application using the bank name and locality, or call 40-27177562 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 COSB0000913 and your account number.

Verifying IFSC COSB0000913 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 COSB0000913 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 40-27177562.
• 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 Johnson Grammar School Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000913, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: COSB0000913 is the IFSC code of The Cosmos Cooperative Bank Limited, JOHNSON GRAMMAR SCHOOL BRANCH branch, in HYDERABAD, ANDHRA PRADESH. 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.