IFSC Code of The Cosmos Cooperative Bank Limited, Gokhale Nagar Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Cosmos Cooperative Bank Limited, GOKHALE NAGAR branch in PUNE. The 11-digit IFSC COSB0000003 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 GOKHALE NAGAR 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 GOKHALE NAGAR branch, the IFSC COSB0000003 breaks down as follows: COSB identifies the bank, 0 is the reserved character, and 000003 identifies this particular branch.

About The Cosmos Cooperative Bank Limited

The Cosmos Cooperative Bank Limited operates a wide network of branches across India, including the Gokhale Nagar branch in Pune. 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, COSB0000003.

Branch details at a glance

About this branch

The branch is located at 1038/7, YOGINI APARTMENT, GOKHALE NAGAR, PUNE 411 016. 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 COSB0000003 is used to identify this branch on the RBI payments network.

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 GOKHALE NAGAR of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000003 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 COSB0000003 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 Gokhale Nagar branch is mapped to IFSC COSB0000003 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 COSB0000003.

Banking services available

The Gokhale Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-25654743.

• 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 COSB0000003

How to transfer money using IFSC COSB0000003

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 COSB0000003 across all three.

NEFT to The Cosmos Cooperative Bank Limited, GOKHALE NAGAR using IFSC COSB0000003

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 COSB0000003, and confirm that the system picks up The Cosmos Cooperative Bank Limited – GOKHALE NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC COSB0000003

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 – GOKHALE NAGAR, ensure your bank's portal accepts IFSC COSB0000003 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Cosmos Cooperative Bank Limited GOKHALE NAGAR (IFSC COSB0000003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000003 in your mobile or internet banking app, and the money is credited to the GOKHALE NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gokhale Nagar

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 COSB0000003:

• 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 GOKHALE NAGAR is still linked to IFSC COSB0000003.

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 COSB0000003

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 – GOKHALE NAGAR is still mapped to IFSC COSB0000003. 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 COSB0000003 and the beneficiary's account number to complete the transfer.

Online banking and IFSC COSB0000003

The Cosmos Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GOKHALE NAGAR 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 COSB0000003 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 COSB0000003 and the account number together uniquely identify the Gokhale Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Cosmos Cooperative Bank Limited – GOKHALE NAGAR:

• The IFSC is exactly COSB0000003 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Cosmos Cooperative Bank Limited as the bank name and GOKHALE NAGAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Gokhale Nagar branch

The branch is located at 1038/7, YOGINI APARTMENT, GOKHALE NAGAR, PUNE 411 016, which puts it inside Pune, the broader Pune 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 Gokhale Nagar branch” — the verified location pin for IFSC COSB0000003 should appear at the top of the results.
2. Confirm the branch is open by calling 20-25654743 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 COSB0000003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC COSB0000003 for The Cosmos Cooperative Bank Limited – GOKHALE NAGAR, 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 Gokhale Nagar 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 COSB0000003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code COSB0000003 belongs to The Cosmos Cooperative Bank Limited's GOKHALE NAGAR branch, located at 1038/7, YOGINI APARTMENT, GOKHALE NAGAR, PUNE 411 016 in PUNE, 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.