Below are the complete branch details for The Cosmos Cooperative Bank Limited, THANE branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is COSB0000040. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case COSB0000040 for The Cosmos Cooperative Bank Limited – THANE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – THANE is COSB0000040. The first four letters COSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000040 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 Thane 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, COSB0000040.
Branch details at a glance
| Bank Name | The Cosmos Cooperative Bank Limited |
|---|---|
| Branch | Thane |
| IFSC Code | COSB0000040 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S.NO.29, CTS NO.53 B/2,MHASKAR BUILDING, MAUJE NAUPADA,GOKHALE ROAD THANE (WEST)-400 602 |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 25345923 |
Thane branch overview
Located at S.NO.29, CTS NO.53 B/2,MHASKAR BUILDING, MAUJE NAUPADA,GOKHALE ROAD THANE (WEST)-400 602, the Thane branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC COSB0000040 is required for all interbank electronic transfers routed through this branch.
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 THANE of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000040 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 COSB0000040 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 Thane branch is mapped to IFSC COSB0000040 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 COSB0000040.
Banking services available
The Thane branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25345923.
- 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 COSB0000040
How to transfer money using IFSC COSB0000040
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 COSB0000040 across all three.
NEFT to The Cosmos Cooperative Bank Limited, THANE using IFSC COSB0000040
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 COSB0000040, and confirm that the system picks up The Cosmos Cooperative Bank Limited – THANE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC COSB0000040
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Cosmos Cooperative Bank Limited – THANE, ensure your bank's portal accepts IFSC COSB0000040 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Cosmos Cooperative Bank Limited – THANE, use IMPS. With IFSC COSB0000040 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 Thane
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 COSB0000040:
- 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 THANE is still linked to IFSC COSB0000040.
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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Cosmos Cooperative Bank Limited's THANE branch, the IFSC COSB0000040 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Online banking and IFSC COSB0000040
The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THANE 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 COSB0000040 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 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 COSB0000040 and the account number together uniquely identify the Thane branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC COSB0000040
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 – THANE, 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:
COSB0000040. - 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 Thane branch
The branch is located at S.NO.29, CTS NO.53 B/2,MHASKAR BUILDING, MAUJE NAUPADA,GOKHALE ROAD THANE (WEST)-400 602, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “The Cosmos Cooperative Bank Limited Thane branch” — the verified location pin for IFSC COSB0000040 should appear at the top of the results.
- Confirm the branch is open by calling 22-25345923 before stepping out, especially around public holidays.
- 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 COSB0000040 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC COSB0000040 for The Cosmos Cooperative Bank Limited – THANE, 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.
Working hours
Branch counters at Thane 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 COSB0000040 continue to work without interruption.
Branch address & contact
The Cosmos Cooperative Bank LimitedThane Branch
S.NO.29, CTS NO.53 B/2,MHASKAR BUILDING, MAUJE NAUPADA,GOKHALE ROAD THANE (WEST)-400 602
Mumbai, Maharashtra
Phone: 22-25345923
IFSC: COSB0000040
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Thane branch but serve different purposes.
What is the IFSC code of The Cosmos Cooperative Bank Limited Thane branch?
The IFSC code of The Cosmos Cooperative Bank Limited, Thane branch is COSB0000040. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does The Cosmos Cooperative Bank Limited Thane branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-25345923 to confirm.
Where is The Cosmos Cooperative Bank Limited Thane branch located?
The Cosmos Cooperative Bank Limited's Thane branch is located at S.NO.29, CTS NO.53 B/2,MHASKAR BUILDING, MAUJE NAUPADA,GOKHALE ROAD THANE (WEST)-400 602, Mumbai, Maharashtra.
Is IFSC COSB0000040 the same for all accounts at Thane branch?
Yes. The IFSC COSB0000040 is shared by every account held at The Cosmos Cooperative Bank Limited's Thane branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using COSB0000040 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Cosmos Cooperative Bank Limited – Thane reflect within 30 minutes.
Is IFSC COSB0000040 valid for NEFT and RTGS?
Yes. IFSC COSB0000040 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add The Cosmos Cooperative Bank Limited Thane as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC COSB0000040, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: COSB0000040 is the IFSC code of The Cosmos Cooperative Bank Limited, THANE 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.
