Use this page as a one-stop reference for everything related to The Cosmos Cooperative Bank Limited's KATRAJ branch in PUNE, MAHARASHTRA. The branch's IFSC code COSB0000008 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 – KATRAJ is COSB0000008. The first four letters COSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000008 map to this branch in PUNE, MAHARASHTRA.
About The Cosmos Cooperative Bank Limited
The Cosmos Cooperative Bank Limited operates a wide network of branches across India, including the Katraj 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, COSB0000008.
Branch details at a glance
| Bank Name | The Cosmos Cooperative Bank Limited |
|---|---|
| Branch | Katraj |
| IFSC Code | COSB0000008 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 19 A/1, ROYAL ARCADE, NEAR SHANKAR MAHARAJ MATH, DHANKAWADI, PUNE 411 043 |
| City | Pune |
| District | Pune |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 4377403 |
Katraj branch overview
Located at 19 A/1, ROYAL ARCADE, NEAR SHANKAR MAHARAJ MATH, DHANKAWADI, PUNE 411 043, the Katraj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC COSB0000008 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 KATRAJ of The Cosmos Cooperative Bank Limited — its own 11-character IFSC. The code COSB0000008 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 COSB0000008 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Katraj branch
Once you have an account at The Cosmos Cooperative Bank Limited – KATRAJ, the IFSC COSB0000008 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 Katraj 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 COSB0000008
How to transfer money using IFSC COSB0000008
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 COSB0000008 across all three.
NEFT to The Cosmos Cooperative Bank Limited, KATRAJ using IFSC COSB0000008
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 COSB0000008, and confirm that the system picks up The Cosmos Cooperative Bank Limited – KATRAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KATRAJ
If you need to transfer ₹2 lakh or more in one go to an account at The Cosmos Cooperative Bank Limited's KATRAJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC COSB0000008 while initiating the transfer and the credit will appear within minutes.
IMPS to The Cosmos Cooperative Bank Limited KATRAJ (IFSC COSB0000008)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC COSB0000008 in your mobile or internet banking app, and the money is credited to the KATRAJ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC COSB0000008 for The Cosmos Cooperative Bank Limited – KATRAJ, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – COSB0000008 | Yes – COSB0000008 | Yes – COSB0000008 |
For most retail customers crediting the Katraj 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 KATRAJ branch, the IFSC COSB0000008 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.
Digital banking channels
Most day-to-day work that customers used to do at the Katraj 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 COSB0000008 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.
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 COSB0000008 and the account number together uniquely identify the Katraj 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 COSB0000008
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 – KATRAJ, 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:
COSB0000008. - 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.
Reaching the branch
The Katraj branch sits at 19 A/1, ROYAL ARCADE, NEAR SHANKAR MAHARAJ MATH, DHANKAWADI, PUNE 411 043. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-4377403 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 COSB0000008 and your account number.
Verifying IFSC COSB0000008 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 COSB0000008 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-4377403.
- Visiting the bank's official branch locator page.
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 Katraj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC COSB0000008, however, work 24x7.
Branch address & contact
The Cosmos Cooperative Bank LimitedKatraj Branch
19 A/1, ROYAL ARCADE, NEAR SHANKAR MAHARAJ MATH, DHANKAWADI, PUNE 411 043
Pune, Maharashtra
Phone: 20-4377403
IFSC: COSB0000008
Frequently asked questions
Does The Cosmos Cooperative Bank Limited Katraj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 20-4377403 to confirm.
Is IFSC COSB0000008 the same for all accounts at Katraj branch?
Yes. The IFSC COSB0000008 is shared by every account held at The Cosmos Cooperative Bank Limited's Katraj branch. Only the account number changes from customer to customer.
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 Katraj branch but serve different purposes.
Is IFSC COSB0000008 valid for NEFT and RTGS?
Yes. IFSC COSB0000008 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is The Cosmos Cooperative Bank Limited Katraj branch located?
The Cosmos Cooperative Bank Limited's Katraj branch is located at 19 A/1, ROYAL ARCADE, NEAR SHANKAR MAHARAJ MATH, DHANKAWADI, PUNE 411 043, Pune, Maharashtra.
What is the phone number of The Cosmos Cooperative Bank Limited Katraj branch?
You can reach the branch at 20-4377403 during regular banking hours.
How do I add The Cosmos Cooperative Bank Limited Katraj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC COSB0000008, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code COSB0000008 belongs to The Cosmos Cooperative Bank Limited's KATRAJ branch, located at 19 A/1, ROYAL ARCADE, NEAR SHANKAR MAHARAJ MATH, DHANKAWADI, PUNE 411 043 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.
