IFSC Code of The Mehsana Urban Cooperative Bank, Borivali West Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, BORIVALI WEST branch in MUMBAI. The 11-digit IFSC MSNU0000049 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 BORIVALI WEST 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.

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, MSNU0000049 is the IFSC of The Mehsana Urban Cooperative Bank's BORIVALI WEST branch. The format is fixed: MSNU = bank code, 0 = reserved, 000049 = branch identifier.

About The Mehsana Urban Cooperative Bank

The Mehsana Urban Cooperative Bank operates a wide network of branches across India, including the Borivali West branch in Mumbai. 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, MSNU0000049.

Branch details at a glance

Borivali West branch overview

Located at GROUND FLOOR, MAHEK PLAZA, OFF CHANDAVARKAR ROAD, MAHARASHTRA NAGAR, BORIVALI (W), MUMBAI, the Borivali West branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MSNU0000049 is required for all interbank electronic transfers routed through this branch.

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 BORIVALI WEST branch came to be assigned the code MSNU0000049.

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 MSNU0000049, money simply cannot be routed to the BORIVALI WEST branch electronically.

Products and account variants supported

Every account opened at the Borivali West branch is mapped to IFSC MSNU0000049 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 MSNU0000049.

Products and services

Customers walking into the Borivali West 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 MSNU0000049

How to transfer money using IFSC MSNU0000049

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 MSNU0000049 across all three.

NEFT to The Mehsana Urban Cooperative Bank, BORIVALI WEST using IFSC MSNU0000049

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 MSNU0000049, and confirm that the system picks up The Mehsana Urban Cooperative Bank – BORIVALI WEST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BORIVALI WEST

If you need to transfer ₹2 lakh or more in one go to an account at The Mehsana Urban Cooperative Bank's BORIVALI WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSNU0000049 while initiating the transfer and the credit will appear within minutes.

IMPS to The Mehsana Urban Cooperative Bank BORIVALI WEST (IFSC MSNU0000049)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000049 in your mobile or internet banking app, and the money is credited to the BORIVALI WEST branch account within seconds.

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

All three modes accept the IFSC MSNU0000049 for The Mehsana Urban Cooperative Bank – BORIVALI WEST, 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 Borivali West 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 Mehsana Urban Cooperative Bank's BORIVALI WEST branch, the IFSC MSNU0000049 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 Borivali West 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 MSNU0000049 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 & cheque-truncation details

Cheques drawn on the Borivali West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MSNU0000049 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC MSNU0000049

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 – BORIVALI WEST, 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: MSNU0000049.
• 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.

How to reach the Borivali West branch

The branch is located at GROUND FLOOR, MAHEK PLAZA, OFF CHANDAVARKAR ROAD, MAHARASHTRA NAGAR, BORIVALI (W), MUMBAI, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Mehsana Urban Cooperative Bank Borivali West branch” — the verified location pin for IFSC MSNU0000049 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28946010 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 MSNU0000049 and your account number.

Verifying IFSC MSNU0000049 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 MSNU0000049 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28946010.
• 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 Borivali West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSNU0000049, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: MSNU0000049 is the IFSC code of The Mehsana Urban Cooperative Bank, BORIVALI WEST branch, in MUMBAI, 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.