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

Below are the complete branch details for The Mehsana Urban Cooperative Bank, RAJKOT branch, located in RAJKOT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is MSNU0000038. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case MSNU0000038 for The Mehsana Urban Cooperative Bank – RAJKOT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – RAJKOT is MSNU0000038. The first four letters MSNU are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000038 map to this branch in RAJKOT, 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 Rajkot branch in Rajkot, Gujarat is part of this network and uses the IFSC code MSNU0000038 for all electronic settlement.

Rajkot branch overview

Located at NAKSHATRA-1, GROUND FLOOR, B/H. K.K.V. HALL, 150 RING ROAD, RAJKOT - 360001, DIST. - RAJKOT, STATE - GUJARAT, the Rajkot branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MSNU0000038 is required for all interbank electronic transfers routed through this branch.

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 RAJKOT of The Mehsana Urban Cooperative Bank — its own 11-character IFSC. The code MSNU0000038 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 MSNU0000038 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC MSNU0000038

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 MSNU0000038 across all three.

NEFT to The Mehsana Urban Cooperative Bank, RAJKOT using IFSC MSNU0000038

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 MSNU0000038, and confirm that the system picks up The Mehsana Urban Cooperative Bank – RAJKOT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAJKOT

If you need to transfer ₹2 lakh or more in one go to an account at The Mehsana Urban Cooperative Bank's RAJKOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSNU0000038 while initiating the transfer and the credit will appear within minutes.

IMPS to The Mehsana Urban Cooperative Bank RAJKOT (IFSC MSNU0000038)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000038 in your mobile or internet banking app, and the money is credited to the RAJKOT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rajkot

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 MSNU0000038:

• 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 RAJKOT is still linked to IFSC MSNU0000038.

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 Mehsana Urban Cooperative Bank's RAJKOT branch, the IFSC MSNU0000038 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.

Account types you can open at the Rajkot branch

Once you have an account at The Mehsana Urban Cooperative Bank – RAJKOT, the IFSC MSNU0000038 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.

Banking services available

The Rajkot branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2588035.

• 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 MSNU0000038

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 MSNU0000038 and the account number together uniquely identify the Rajkot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Rajkot 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 MSNU0000038 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.

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 – RAJKOT:

• The IFSC is exactly MSNU0000038 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 RAJKOT 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 Rajkot branch sits at NAKSHATRA-1, GROUND FLOOR, B/H. K.K.V. HALL, 150 RING ROAD, RAJKOT - 360001, DIST. - RAJKOT, STATE - GUJARAT. If you are travelling from outside Rajkot, search for the branch on a maps application using the bank name and locality, or call 281-2588035 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 MSNU0000038 and your account number.

Verifying IFSC MSNU0000038 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 MSNU0000038 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 281-2588035.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Rajkot are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to MSNU0000038 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MSNU0000038 belongs to The Mehsana Urban Cooperative Bank's RAJKOT branch, located at NAKSHATRA-1, GROUND FLOOR, B/H. K.K.V. HALL, 150 RING ROAD, RAJKOT - 360001,… in RAJKOT, 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.