IFSC Code of The Kolhapur Urban Co-op Bank Ltd, Mudshingi, Gandhinagar Branch Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Kolhapur Urban Co-op Bank Ltd's MUDSHINGI, GANDHINAGAR BRANCH branch in OHPR, MAHARASHTRA. The branch's IFSC code KOLH0000020 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.

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, KOLH0000020 is the IFSC of The Kolhapur Urban Co-op Bank Ltd's MUDSHINGI, GANDHINAGAR BRANCH branch. The format is fixed: KOLH = bank code, 0 = reserved, 000020 = branch identifier.

About the bank

The Kolhapur Urban Co-op Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mudshingi, Gandhinagar Branch branch in Ohpr, Maharashtra is part of this network and uses the IFSC code KOLH0000020 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 413/1/9,1 ST FLOOR LOHIYA MARKET MUDSHINGI,GANDHINAGAR-416119. It serves the Ohpr 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 Kolhapur Urban Co-op Bank Ltd. The IFSC KOLH0000020 is used to identify this branch on the RBI payments network.

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 Kolhapur Urban Co-op Bank Ltd's MUDSHINGI, GANDHINAGAR BRANCH branch came to be assigned the code KOLH0000020.

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 KOLH0000020, money simply cannot be routed to the MUDSHINGI, GANDHINAGAR BRANCH branch electronically.

Products and account variants supported

Every account opened at the Mudshingi, Gandhinagar Branch branch is mapped to IFSC KOLH0000020 on the RBI payments network. The branch generally supports the full retail product catalogue of The Kolhapur Urban Co-op Bank Ltd, 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 KOLH0000020.

Products and services

Customers walking into the Mudshingi, Gandhinagar Branch branch can access most of The Kolhapur Urban Co-op Bank Ltd'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 KOLH0000020

How to transfer money using IFSC KOLH0000020

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 KOLH0000020 across all three.

NEFT to The Kolhapur Urban Co-op Bank Ltd, MUDSHINGI, GANDHINAGAR BRANCH using IFSC KOLH0000020

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 KOLH0000020, and confirm that the system picks up The Kolhapur Urban Co-op Bank Ltd – MUDSHINGI, GANDHINAGAR BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MUDSHINGI, GANDHINAGAR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Kolhapur Urban Co-op Bank Ltd's MUDSHINGI, GANDHINAGAR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KOLH0000020 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kolhapur Urban Co-op Bank Ltd MUDSHINGI, GANDHINAGAR BRANCH (IFSC KOLH0000020)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KOLH0000020 in your mobile or internet banking app, and the money is credited to the MUDSHINGI, GANDHINAGAR BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mudshingi, Gandhinagar Branch

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 KOLH0000020:

• 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 MUDSHINGI, GANDHINAGAR BRANCH is still linked to IFSC KOLH0000020.

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 Kolhapur Urban Co-op Bank Ltd's MUDSHINGI, GANDHINAGAR BRANCH branch, the IFSC KOLH0000020 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 KOLH0000020

The Kolhapur Urban Co-op Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the MUDSHINGI, GANDHINAGAR BRANCH 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 KOLH0000020 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 Kolhapur Urban Co-op Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KOLH0000020 and the account number together uniquely identify the Mudshingi, Gandhinagar Branch 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 Kolhapur Urban Co-op Bank Ltd – MUDSHINGI, GANDHINAGAR BRANCH:

• The IFSC is exactly KOLH0000020 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Kolhapur Urban Co-op Bank Ltd as the bank name and MUDSHINGI, GANDHINAGAR BRANCH 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.

Reaching the branch

The Mudshingi, Gandhinagar Branch branch sits at 413/1/9,1 ST FLOOR LOHIYA MARKET MUDSHINGI,GANDHINAGAR-416119. If you are travelling from outside Ohpr, search for the branch on a maps application using the bank name and locality, or call 231-2613513 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 KOLH0000020 and your account number.

Verifying IFSC KOLH0000020 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 KOLH0000020 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 231-2613513.
• 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 Mudshingi, Gandhinagar Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KOLH0000020, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KOLH0000020 is the IFSC code of The Kolhapur Urban Co-op Bank Ltd, MUDSHINGI, GANDHINAGAR BRANCH branch, in OHPR, 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.