IFSC Code of The Cosmos Cooperative Bank Limited, Laxmipuri Kolhapur Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Cosmos Cooperative Bank Limited, LAXMIPURI KOLHAPUR branch in KOLHAPUR. The 11-digit IFSC COSB0000088 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 LAXMIPURI KOLHAPUR 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.

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 LAXMIPURI KOLHAPUR branch, the IFSC COSB0000088 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000088 identifies this particular branch.

Bank profile

The Cosmos Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Laxmipuri Kolhapur branch — IFSC COSB0000088 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

Branch details at a glance

About the Laxmipuri Kolhapur branch

The Laxmipuri Kolhapur branch of The Cosmos Cooperative Bank Limited is situated at C S NO 1958/59 V MART C WARD NEAR CHANDRARUP LAXMI ROAD LAXMI PURI KOLHAPUR 416002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code COSB0000088 is used.

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 LAXMIPURI KOLHAPUR of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000088 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 COSB0000088 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Laxmipuri Kolhapur branch is mapped to IFSC COSB0000088 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 COSB0000088.

Banking services available

The Laxmipuri Kolhapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2644008.

• 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 COSB0000088

How to transfer money using IFSC COSB0000088

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 COSB0000088 across all three.

NEFT to The Cosmos Cooperative Bank Limited, LAXMIPURI KOLHAPUR using IFSC COSB0000088

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 COSB0000088, and confirm that the system picks up The Cosmos Cooperative Bank Limited – LAXMIPURI KOLHAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAXMIPURI KOLHAPUR

If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's LAXMIPURI KOLHAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000088 while initiating the transfer and the credit will appear within minutes.

IMPS to The Cosmos Cooperative Bank Limited LAXMIPURI KOLHAPUR (IFSC COSB0000088)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000088 in your mobile or internet banking app, and the money is credited to the LAXMIPURI KOLHAPUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC COSB0000088 for The Cosmos Cooperative Bank Limited – LAXMIPURI KOLHAPUR, 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 Laxmipuri Kolhapur 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 COSB0000088

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 – LAXMIPURI KOLHAPUR is still mapped to IFSC COSB0000088. 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 COSB0000088 and the beneficiary's account number to complete the transfer.

Online banking and IFSC COSB0000088

The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LAXMIPURI KOLHAPUR 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 COSB0000088 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.

MICR & cheque-truncation details

Cheques drawn on the Laxmipuri Kolhapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC COSB0000088 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC COSB0000088

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 – LAXMIPURI KOLHAPUR, 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: COSB0000088.
• 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.

How to reach the Laxmipuri Kolhapur branch

The branch is located at C S NO 1958/59 V MART C WARD NEAR CHANDRARUP LAXMI ROAD LAXMI PURI KOLHAPUR 416002, which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Cosmos Cooperative Bank Limited Laxmipuri Kolhapur branch” — the verified location pin for IFSC COSB0000088 should appear at the top of the results.
2. Confirm the branch is open by calling 231-2644008 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 COSB0000088 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC COSB0000088 for The Cosmos Cooperative Bank Limited – LAXMIPURI KOLHAPUR, 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 Laxmipuri Kolhapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000088, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code COSB0000088 belongs to The Cosmos Cooperative Bank Limited's LAXMIPURI KOLHAPUR branch, located at C S NO 1958/59 V MART C WARD NEAR CHANDRARUP LAXMI ROAD LAXMI PURI KOLHAPUR… in KOLHAPUR, MAHARASHTRA. 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.