IFSC Code of The Cosmos Cooperative Bank Limited, Bhayander-W Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Cosmos Cooperative Bank Limited, BHAYANDER-W branch in MIRA-BHAYANDAR. The 11-digit IFSC COSB0000117 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 BHAYANDER-W 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 BHAYANDER-W branch, the IFSC COSB0000117 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000117 identifies this particular branch.

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 Bhayander-W branch in Mira-Bhayandar, Maharashtra is part of this network and uses the IFSC code COSB0000117 for all electronic settlement.

About this branch

The branch is located at RUSHABH APARTMENT, GROUND FLOOR, BUILDING NO. 1, S. NO. 5A, HISSA 1 (PART), PATEL NAGAR NO. 1, BHAYANDER (W), TALUKA & DIST. THANE 401101. It serves the Mira-Bhayandar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Cosmos Cooperative Bank Limited. The IFSC COSB0000117 is used to identify this branch on the RBI payments network.

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 BHAYANDER-W of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000117 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 COSB0000117 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 COSB0000117

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 COSB0000117 across all three.

NEFT to The Cosmos Cooperative Bank Limited, BHAYANDER-W using IFSC COSB0000117

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 COSB0000117, and confirm that the system picks up The Cosmos Cooperative Bank Limited – BHAYANDER-W. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAYANDER-W

If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's BHAYANDER-W branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000117 while initiating the transfer and the credit will appear within minutes.

IMPS to The Cosmos Cooperative Bank Limited BHAYANDER-W (IFSC COSB0000117)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000117 in your mobile or internet banking app, and the money is credited to the BHAYANDER-W branch account within seconds.

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

All three modes accept the IFSC COSB0000117 for The Cosmos Cooperative Bank Limited – BHAYANDER-W, 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 Bhayander-W 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 COSB0000117

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 – BHAYANDER-W is still mapped to IFSC COSB0000117. 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 COSB0000117 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhayander-W branch

Once you have an account at The Cosmos Cooperative Bank Limited – BHAYANDER-W, the IFSC COSB0000117 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Bhayander-W branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-28041168.

• 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 COSB0000117

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 COSB0000117 and the account number together uniquely identify the Bhayander-W 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 Bhayander-W 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 COSB0000117 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 – BHAYANDER-W:

• The IFSC is exactly COSB0000117 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 BHAYANDER-W 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 Bhayander-W branch

The branch is located at RUSHABH APARTMENT, GROUND FLOOR, BUILDING NO. 1, S. NO. 5A, HISSA 1 (PART), PATEL NAGAR NO. 1, BHAYANDER (W), TALUKA & DIST. THANE 401101, which puts it inside Mira-Bhayandar, the broader Thane 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 Bhayander-W branch” — the verified location pin for IFSC COSB0000117 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28041168 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 COSB0000117 and your account number.

Verifying IFSC COSB0000117 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 COSB0000117 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28041168.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bhayander-W 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 COSB0000117 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: COSB0000117 is the IFSC code of The Cosmos Cooperative Bank Limited, BHAYANDER-W branch, in MIRA-BHAYANDAR, MAHARASHTRA. 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.