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

Below are the complete branch details for The Cosmos Cooperative Bank Limited, GANDHIBHAVAN branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is COSB0000908. 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 COSB0000908 for The Cosmos Cooperative Bank Limited – GANDHIBHAVAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, COSB0000908 is the IFSC of The Cosmos Cooperative Bank Limited's GANDHIBHAVAN branch. The format is fixed: COSB = bank code, 0 = reserved, 000908 = branch identifier.

Bank profile

The Cosmos Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gandhibhavan branch — IFSC COSB0000908 — extends the bank's services to customers in and around Pune, Maharashtra.

About this branch

The branch is located at PLOT NO.1, SWACHHAND S NO. 59 60 61/1 OF 2 , SAHAJANAND CO-OP HSG SOC, KOTHRUD PUNE 411038. It serves the Pune 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 COSB0000908 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GANDHIBHAVAN of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000908 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 COSB0000908 the same way you would treat your account number — verify it once and save it carefully for future use.

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 COSB0000908 and the account number together uniquely identify the Gandhibhavan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC COSB0000908

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 COSB0000908 across all three.

NEFT to The Cosmos Cooperative Bank Limited, GANDHIBHAVAN using IFSC COSB0000908

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 COSB0000908, and confirm that the system picks up The Cosmos Cooperative Bank Limited – GANDHIBHAVAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC COSB0000908

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 – GANDHIBHAVAN, ensure your bank's portal accepts IFSC COSB0000908 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 – GANDHIBHAVAN, use IMPS. With IFSC COSB0000908 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 COSB0000908 for The Cosmos Cooperative Bank Limited – GANDHIBHAVAN, 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 Gandhibhavan 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 GANDHIBHAVAN branch, the IFSC COSB0000908 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 Gandhibhavan branch

Once you have an account at The Cosmos Cooperative Bank Limited – GANDHIBHAVAN, the IFSC COSB0000908 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.

Products and services

Customers walking into the Gandhibhavan 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 COSB0000908

Digital banking channels

Most day-to-day work that customers used to do at the Gandhibhavan 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 COSB0000908 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.

Reaching the branch

The Gandhibhavan branch sits at PLOT NO.1, SWACHHAND S NO. 59 60 61/1 OF 2 , SAHAJANAND CO-OP HSG SOC, KOTHRUD PUNE 411038. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-25385772 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 COSB0000908 and your account number.

Common mistakes to avoid when using IFSC COSB0000908

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 – GANDHIBHAVAN, 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: COSB0000908.
• 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 Gandhibhavan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000908, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC COSB0000908 for The Cosmos Cooperative Bank Limited – GANDHIBHAVAN, 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: COSB0000908 is the IFSC code of The Cosmos Cooperative Bank Limited, GANDHIBHAVAN branch, in PUNE, 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.