IFSC Code of The Cosmos Cooperative Bank Limited, Andheri Branch, Maharashtra

If you are searching for the IFSC code of The Cosmos Cooperative Bank Limited, ANDHERI branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is COSB0000047. 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 ANDHERI branch, and detailed step-by-step guides for using the IFSC COSB0000047 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 ANDHERI branch, the IFSC COSB0000047 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000047 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 Andheri branch — IFSC COSB0000047 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at OFFICE NO. 2, DEV PLAZA 68, S. V. ROAD OPP FIRE BRIGADE ANDHERI WEST MUMBAI 400058. It serves the Mumbai 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 COSB0000047 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 ANDHERI branch came to be assigned the code COSB0000047.

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 COSB0000047, money simply cannot be routed to the ANDHERI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Andheri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC COSB0000047 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC COSB0000047

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 COSB0000047 across all three.

NEFT to The Cosmos Cooperative Bank Limited, ANDHERI using IFSC COSB0000047

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 COSB0000047, and confirm that the system picks up The Cosmos Cooperative Bank Limited – ANDHERI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ANDHERI

If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's ANDHERI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000047 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 – ANDHERI, use IMPS. With IFSC COSB0000047 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Andheri

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 COSB0000047:

• 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 ANDHERI is still linked to IFSC COSB0000047.

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 COSB0000047

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 – ANDHERI is still mapped to IFSC COSB0000047. 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 COSB0000047 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Andheri branch is mapped to IFSC COSB0000047 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 COSB0000047.

Products and services

Customers walking into the Andheri 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 COSB0000047

Online banking and IFSC COSB0000047

The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ANDHERI 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 COSB0000047 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.

How to reach the Andheri branch

The branch is located at OFFICE NO. 2, DEV PLAZA 68, S. V. ROAD OPP FIRE BRIGADE ANDHERI WEST MUMBAI 400058, which puts it inside Mumbai, the broader Greater Bombay 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 Andheri branch” — the verified location pin for IFSC COSB0000047 should appear at the top of the results.
2. Confirm the branch is open by calling 22-39453547 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 COSB0000047 and your account number.

Common mistakes to avoid when using IFSC COSB0000047

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 – ANDHERI, 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: COSB0000047.
• 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 Andheri 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 COSB0000047 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC COSB0000047 for The Cosmos Cooperative Bank Limited – ANDHERI, 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 address & contact

Frequently asked questions

Final notes

To recap: COSB0000047 is the IFSC code of The Cosmos Cooperative Bank Limited, ANDHERI branch, in MUMBAI, 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.