IFSC Code of The Mehsana Urban Cooperative Bank, C.T.M Cross Road Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, C.T.M CROSS ROAD branch in AHMEDABAD. The 11-digit IFSC MSNU0000025 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 Mehsana Urban Cooperative Bank at the C.T.M CROSS ROAD 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.

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 Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD is MSNU0000025. The first four letters MSNU are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000025 map to this branch in AHMEDABAD, GUJARAT.

Bank profile

The Mehsana Urban Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The C.T.M Cross Road branch — IFSC MSNU0000025 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About this branch

The branch is located at KAILASH COLONY NR.BHARVI TOWER,N.H. NO-8, AMRAIWADI, AHMEDABAD-380 026. It serves the Ahmedabad 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 Mehsana Urban Cooperative Bank. The IFSC MSNU0000025 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The Mehsana Urban Cooperative Bank 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 C.T.M CROSS ROAD of The Mehsana Urban Cooperative Bank — its own 11-character IFSC. The code MSNU0000025 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 MSNU0000025 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 Mehsana Urban Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MSNU0000025 and the account number together uniquely identify the C.T.M Cross Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MSNU0000025

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 MSNU0000025 across all three.

NEFT to The Mehsana Urban Cooperative Bank, C.T.M CROSS ROAD using IFSC MSNU0000025

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 MSNU0000025, and confirm that the system picks up The Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MSNU0000025

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 Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD, ensure your bank's portal accepts IFSC MSNU0000025 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Mehsana Urban Cooperative Bank C.T.M CROSS ROAD (IFSC MSNU0000025)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000025 in your mobile or internet banking app, and the money is credited to the C.T.M CROSS ROAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MSNU0000025 for The Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD, 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 C.T.M Cross Road 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.

UPI payments and IFSC MSNU0000025

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 Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD is still mapped to IFSC MSNU0000025. 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 MSNU0000025 and the beneficiary's account number to complete the transfer.

Account types you can open at the C.T.M Cross Road branch

Once you have an account at The Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD, the IFSC MSNU0000025 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 C.T.M Cross Road branch can access most of The Mehsana Urban Cooperative Bank'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 MSNU0000025

Online banking and IFSC MSNU0000025

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the C.T.M CROSS ROAD 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 MSNU0000025 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.

How to reach the C.T.M Cross Road branch

The branch is located at KAILASH COLONY NR.BHARVI TOWER,N.H. NO-8, AMRAIWADI, AHMEDABAD-380 026, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Mehsana Urban Cooperative Bank C.T.M Cross Road branch” — the verified location pin for IFSC MSNU0000025 should appear at the top of the results.
2. Confirm the branch is open by calling 79-25850753 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 MSNU0000025 and your account number.

Common mistakes to avoid when using IFSC MSNU0000025

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 Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD, 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: MSNU0000025.
• 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 C.T.M Cross Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSNU0000025, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MSNU0000025 for The Mehsana Urban Cooperative Bank – C.T.M CROSS ROAD, 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: MSNU0000025 is the IFSC code of The Mehsana Urban Cooperative Bank, C.T.M CROSS ROAD branch, in AHMEDABAD, GUJARAT. 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.