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

Use this page as a one-stop reference for everything related to The Cosmos Cooperative Bank Limited's SAKINAKA ANDHERI EAST BRANCH branch in MUMBAI, MAHARASHTRA. The branch's IFSC code COSB0000148 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Cosmos Cooperative Bank Limited – SAKINAKA ANDHERI EAST BRANCH is COSB0000148. The first four letters COSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000148 map to this branch in MUMBAI, MAHARASHTRA.

About The Cosmos Cooperative Bank Limited

The Cosmos Cooperative Bank Limited operates a wide network of branches across India, including the Sakinaka Andheri East Branch branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, COSB0000148.

Sakinaka Andheri East Branch branch overview

Located at 102, TRADE CORNER, SAKINAKA JUNCTION, ANDHERI EAST, MUMBAI - 400072, the Sakinaka Andheri East 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 COSB0000148 is required for all interbank electronic transfers routed through this branch.

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 SAKINAKA ANDHERI EAST BRANCH branch came to be assigned the code COSB0000148.

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 COSB0000148, money simply cannot be routed to the SAKINAKA ANDHERI EAST BRANCH branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Sakinaka Andheri East Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC COSB0000148 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 COSB0000148

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 COSB0000148 across all three.

NEFT to The Cosmos Cooperative Bank Limited, SAKINAKA ANDHERI EAST BRANCH using IFSC COSB0000148

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 COSB0000148, and confirm that the system picks up The Cosmos Cooperative Bank Limited – SAKINAKA ANDHERI EAST BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SAKINAKA ANDHERI EAST BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's SAKINAKA ANDHERI EAST BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000148 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 – SAKINAKA ANDHERI EAST BRANCH, use IMPS. With IFSC COSB0000148 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 COSB0000148 for The Cosmos Cooperative Bank Limited – SAKINAKA ANDHERI EAST BRANCH, 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 Sakinaka Andheri East Branch 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 COSB0000148

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 – SAKINAKA ANDHERI EAST BRANCH is still mapped to IFSC COSB0000148. 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 COSB0000148 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sakinaka Andheri East Branch branch is mapped to IFSC COSB0000148 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 COSB0000148.

Products and services

Customers walking into the Sakinaka Andheri East Branch 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 COSB0000148

Digital banking channels

Most day-to-day work that customers used to do at the Sakinaka Andheri East Branch 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 COSB0000148 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.

How to reach the Sakinaka Andheri East Branch branch

The branch is located at 102, TRADE CORNER, SAKINAKA JUNCTION, ANDHERI EAST, MUMBAI - 400072, which puts it inside Mumbai, the broader Mumbai 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 Sakinaka Andheri East Branch branch” — the verified location pin for IFSC COSB0000148 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28514241 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 COSB0000148 and your account number.

Common mistakes to avoid when using IFSC COSB0000148

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 – SAKINAKA ANDHERI EAST 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: COSB0000148.
• 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.

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 Sakinaka Andheri East Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000148, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC COSB0000148 for The Cosmos Cooperative Bank Limited – SAKINAKA ANDHERI EAST BRANCH, 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

Summary

The IFSC code COSB0000148 belongs to The Cosmos Cooperative Bank Limited's SAKINAKA ANDHERI EAST BRANCH branch, located at 102, TRADE CORNER, SAKINAKA JUNCTION, ANDHERI EAST, MUMBAI - 400072 in MUMBAI, 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.