IFSC Code of The Mehsana Urban Cooperative Bank, Becharaji Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, BECHARAJI branch in BECHRAJI. The 11-digit IFSC MSNU0000028 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 BECHARAJI 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 – BECHARAJI is MSNU0000028. The first four letters MSNU are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000028 map to this branch in BECHRAJI, GUJARAT.

Branch details at a glance

About the bank

The Mehsana Urban Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Becharaji branch in Bechraji, Gujarat is part of this network and uses the IFSC code MSNU0000028 for all electronic settlement.

About this branch

The branch is located at GROUND FLOOR,SHREE PATAN MODH GANCHI SAMAJ BULIDING BECHARAJI -384210. It serves the Bechraji 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 MSNU0000028 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 Mehsana Urban Cooperative Bank's BECHARAJI branch came to be assigned the code MSNU0000028.

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 MSNU0000028, money simply cannot be routed to the BECHARAJI branch electronically.

How to transfer money using IFSC MSNU0000028

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 MSNU0000028 across all three.

How to use IFSC MSNU0000028 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Mehsana Urban Cooperative Bank's BECHARAJI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MSNU0000028.
4. Confirm the bank name auto-populates as The Mehsana Urban Cooperative Bank and the branch as BECHARAJI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BECHARAJI

If you need to transfer ₹2 lakh or more in one go to an account at The Mehsana Urban Cooperative Bank's BECHARAJI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSNU0000028 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Mehsana Urban Cooperative Bank – BECHARAJI, use IMPS. With IFSC MSNU0000028 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Becharaji

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 MSNU0000028:

• 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 BECHARAJI is still linked to IFSC MSNU0000028.

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 MSNU0000028

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 – BECHARAJI is still mapped to IFSC MSNU0000028. 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 MSNU0000028 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Becharaji branch is mapped to IFSC MSNU0000028 on the RBI payments network. The branch generally supports the full retail product catalogue of The Mehsana Urban Cooperative Bank, 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 MSNU0000028.

Banking services available

The Becharaji branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2734-289022.

• 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 MSNU0000028

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 MSNU0000028 and the account number together uniquely identify the Becharaji branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC MSNU0000028

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the BECHARAJI 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 MSNU0000028 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.

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 Mehsana Urban Cooperative Bank – BECHARAJI:

• The IFSC is exactly MSNU0000028 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Mehsana Urban Cooperative Bank as the bank name and BECHARAJI 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 Becharaji branch sits at GROUND FLOOR,SHREE PATAN MODH GANCHI SAMAJ BULIDING BECHARAJI -384210. If you are travelling from outside Bechraji, search for the branch on a maps application using the bank name and locality, or call 2734-289022 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 MSNU0000028 and your account number.

Verifying IFSC MSNU0000028 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 MSNU0000028 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2734-289022.
• 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 Becharaji branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSNU0000028, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MSNU0000028 belongs to The Mehsana Urban Cooperative Bank's BECHARAJI branch, located at GROUND FLOOR,SHREE PATAN MODH GANCHI SAMAJ BULIDING BECHARAJI -384210 in BECHRAJI, GUJARAT. 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.