IFSC Code of The Mehsana Urban Cooperative Bank, SME Corporate Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to The Mehsana Urban Cooperative Bank's SME CORPORATE BRANCH branch in MEHSANA, GUJARAT. The branch's IFSC code MSNU0000048 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, MSNU0000048 is the IFSC of The Mehsana Urban Cooperative Bank's SME CORPORATE BRANCH branch. The format is fixed: MSNU = bank code, 0 = reserved, 000048 = branch identifier.

About The Mehsana Urban Cooperative Bank

The Mehsana Urban Cooperative Bank operates a wide network of branches across India, including the SME Corporate Branch branch in Mehsana. 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, MSNU0000048.

About this branch

The branch is located at CORPORATE BUILDING, HIGHWAY. It serves the Mehsana 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 MSNU0000048 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SME CORPORATE BRANCH branch came to be assigned the code MSNU0000048.

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 MSNU0000048, money simply cannot be routed to the SME CORPORATE BRANCH branch electronically.

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 MSNU0000048 and the account number together uniquely identify the SME Corporate Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MSNU0000048

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 MSNU0000048 across all three.

How to use IFSC MSNU0000048 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 SME CORPORATE BRANCH 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 MSNU0000048.
4. Confirm the bank name auto-populates as The Mehsana Urban Cooperative Bank and the branch as SME CORPORATE BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MSNU0000048

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 – SME CORPORATE BRANCH, ensure your bank's portal accepts IFSC MSNU0000048 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Mehsana Urban Cooperative Bank SME CORPORATE BRANCH (IFSC MSNU0000048)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000048 in your mobile or internet banking app, and the money is credited to the SME CORPORATE BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to SME Corporate 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 MSNU0000048:

• 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 SME CORPORATE BRANCH is still linked to IFSC MSNU0000048.

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 MSNU0000048

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 – SME CORPORATE BRANCH is still mapped to IFSC MSNU0000048. 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 MSNU0000048 and the beneficiary's account number to complete the transfer.

Account types you can open at the SME Corporate Branch branch

Once you have an account at The Mehsana Urban Cooperative Bank – SME CORPORATE BRANCH, the IFSC MSNU0000048 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 SME Corporate Branch 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 MSNU0000048

Online banking and IFSC MSNU0000048

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SME CORPORATE 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 MSNU0000048 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 SME Corporate Branch branch

The branch is located at CORPORATE BUILDING, HIGHWAY, which puts it inside Mehsana, the broader Mehsana 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 SME Corporate Branch branch” — the verified location pin for IFSC MSNU0000048 should appear at the top of the results.
2. Confirm the branch is open by calling 2762-257233 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 MSNU0000048 and your account number.

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 – SME CORPORATE BRANCH:

• The IFSC is exactly MSNU0000048 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 SME CORPORATE 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.

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 SME Corporate Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSNU0000048, however, work 24x7.

Verifying IFSC MSNU0000048 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 MSNU0000048 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2762-257233.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: MSNU0000048 is the IFSC code of The Mehsana Urban Cooperative Bank, SME CORPORATE BRANCH branch, in MEHSANA, 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.