IFSC Code of The Cosmos Cooperative Bank Limited, Raviwar Karanja Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Cosmos Cooperative Bank Limited, RAVIWAR KARANJA branch in NASHIK. The 11-digit IFSC COSB0000907 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 RAVIWAR KARANJA 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 RAVIWAR KARANJA branch, the IFSC COSB0000907 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000907 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 Raviwar Karanja branch — IFSC COSB0000907 — extends the bank's services to customers in and around Nashik, Maharashtra.

About this branch

The branch is located at NASIK EDUCATION SOCIETY,RAVIWAR KARANJA, NASHIK 422 001. It serves the Nashik 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 COSB0000907 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 RAVIWAR KARANJA branch came to be assigned the code COSB0000907.

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 COSB0000907, money simply cannot be routed to the RAVIWAR KARANJA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Raviwar Karanja branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC COSB0000907 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 COSB0000907

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 COSB0000907 across all three.

How to use IFSC COSB0000907 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Cosmos Cooperative Bank Limited's RAVIWAR KARANJA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC COSB0000907.
4. Confirm the bank name auto-populates as The Cosmos Cooperative Bank Limited and the branch as RAVIWAR KARANJA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC COSB0000907

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 – RAVIWAR KARANJA, ensure your bank's portal accepts IFSC COSB0000907 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 – RAVIWAR KARANJA, use IMPS. With IFSC COSB0000907 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 COSB0000907 for The Cosmos Cooperative Bank Limited – RAVIWAR KARANJA, 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 Raviwar Karanja 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.

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 RAVIWAR KARANJA branch, the IFSC COSB0000907 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.

Account types you can open at the Raviwar Karanja branch

Once you have an account at The Cosmos Cooperative Bank Limited – RAVIWAR KARANJA, the IFSC COSB0000907 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 Raviwar Karanja branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 253-2590741.

• 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 COSB0000907

Online banking and IFSC COSB0000907

The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAVIWAR KARANJA 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 COSB0000907 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.

Reaching the branch

The Raviwar Karanja branch sits at NASIK EDUCATION SOCIETY,RAVIWAR KARANJA, NASHIK 422 001. If you are travelling from outside Nashik, search for the branch on a maps application using the bank name and locality, or call 253-2590741 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 COSB0000907 and your account number.

Common mistakes to avoid when using IFSC COSB0000907

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 – RAVIWAR KARANJA, 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: COSB0000907.
• 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 Raviwar Karanja branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000907, however, work 24x7.

Verifying IFSC COSB0000907 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 COSB0000907 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 253-2590741.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code COSB0000907 belongs to The Cosmos Cooperative Bank Limited's RAVIWAR KARANJA branch, located at NASIK EDUCATION SOCIETY,RAVIWAR KARANJA, NASHIK 422 001 in NASHIK, 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.