If you are searching for the IFSC code of The Cosmos Cooperative Bank Limited, SHAHUPURI KOLHAPUR branch in KOLHAPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is COSB0000087. 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 SHAHUPURI KOLHAPUR branch, and detailed step-by-step guides for using the IFSC COSB0000087 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.
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 SHAHUPURI KOLHAPUR branch, the IFSC COSB0000087 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000087 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 Shahupuri Kolhapur branch — IFSC COSB0000087 — extends the bank's services to customers in and around Kolhapur, Maharashtra.
Branch details at a glance
| Bank Name | The Cosmos Cooperative Bank Limited |
|---|---|
| Branch | Shahupuri Kolhapur |
| IFSC Code | COSB0000087 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VASANT PLAZA C S NO 1079/KH/Z E WARD SHAHUPURI RAJARAM ROAD KOLHAPUR 416003 |
| City | Kolhapur |
| District | Kolhapur |
| State | Maharashtra |
| STD Code | 231 |
| Phone | 2524247 |
About the Shahupuri Kolhapur branch
The Shahupuri Kolhapur branch of The Cosmos Cooperative Bank Limited is situated at VASANT PLAZA C S NO 1079/KH/Z E WARD SHAHUPURI RAJARAM ROAD KOLHAPUR 416003. 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 COSB0000087 is used.
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 SHAHUPURI KOLHAPUR branch came to be assigned the code COSB0000087.
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 COSB0000087, money simply cannot be routed to the SHAHUPURI KOLHAPUR branch electronically.
Products and account variants supported
Every account opened at the Shahupuri Kolhapur branch is mapped to IFSC COSB0000087 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 COSB0000087.
Products and services
Customers walking into the Shahupuri Kolhapur 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 COSB0000087
How to transfer money using IFSC COSB0000087
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 COSB0000087 across all three.
NEFT to The Cosmos Cooperative Bank Limited, SHAHUPURI KOLHAPUR using IFSC COSB0000087
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 COSB0000087, and confirm that the system picks up The Cosmos Cooperative Bank Limited – SHAHUPURI 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 SHAHUPURI KOLHAPUR
If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's SHAHUPURI KOLHAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000087 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 – SHAHUPURI KOLHAPUR, use IMPS. With IFSC COSB0000087 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 COSB0000087 for The Cosmos Cooperative Bank Limited – SHAHUPURI 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.
| 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 – COSB0000087 | Yes – COSB0000087 | Yes – COSB0000087 |
For most retail customers crediting the Shahupuri 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 COSB0000087
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 – SHAHUPURI KOLHAPUR is still mapped to IFSC COSB0000087. 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 COSB0000087 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Shahupuri Kolhapur 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 COSB0000087 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.
MICR & cheque-truncation details
Cheques drawn on the Shahupuri Kolhapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC COSB0000087 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 COSB0000087
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 – SHAHUPURI 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:
COSB0000087. - 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 Shahupuri Kolhapur branch sits at VASANT PLAZA C S NO 1079/KH/Z E WARD SHAHUPURI RAJARAM ROAD KOLHAPUR 416003. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 231-2524247 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 COSB0000087 and your account number.
Verifying IFSC COSB0000087 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 COSB0000087 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 231-2524247.
- 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 Shahupuri Kolhapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000087, however, work 24x7.
Branch address & contact
The Cosmos Cooperative Bank LimitedShahupuri Kolhapur Branch
VASANT PLAZA C S NO 1079/KH/Z E WARD SHAHUPURI RAJARAM ROAD KOLHAPUR 416003
Kolhapur, Maharashtra
Phone: 231-2524247
IFSC: COSB0000087
Frequently asked questions
Is IFSC COSB0000087 the same for all accounts at Shahupuri Kolhapur branch?
Yes. The IFSC COSB0000087 is shared by every account held at The Cosmos Cooperative Bank Limited's Shahupuri Kolhapur branch. Only the account number changes from customer to customer.
How do I add The Cosmos Cooperative Bank Limited Shahupuri Kolhapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC COSB0000087, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is The Cosmos Cooperative Bank Limited Shahupuri Kolhapur branch located?
The Cosmos Cooperative Bank Limited's Shahupuri Kolhapur branch is located at VASANT PLAZA C S NO 1079/KH/Z E WARD SHAHUPURI RAJARAM ROAD KOLHAPUR 416003, Kolhapur, Maharashtra.
Does The Cosmos Cooperative Bank Limited Shahupuri Kolhapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 231-2524247 to confirm.
Can I use IFSC COSB0000087 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC COSB0000087 to send funds instantly.
Is IFSC COSB0000087 valid for NEFT and RTGS?
Yes. IFSC COSB0000087 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using COSB0000087 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Cosmos Cooperative Bank Limited – Shahupuri Kolhapur reflect within 30 minutes.
What is the phone number of The Cosmos Cooperative Bank Limited Shahupuri Kolhapur branch?
You can reach the branch at 231-2524247 during regular banking hours.
Summary
The IFSC code COSB0000087 belongs to The Cosmos Cooperative Bank Limited's SHAHUPURI KOLHAPUR branch, located at VASANT PLAZA C S NO 1079/KH/Z E WARD SHAHUPURI RAJARAM ROAD KOLHAPUR 416003 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.
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