IFSC Code of The Mehsana Urban Cooperative Bank, Sosiyo Circle Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, SOSIYO CIRCLE branch in SURAT. The 11-digit IFSC MSNU0000021 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 SOSIYO CIRCLE 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 – SOSIYO CIRCLE is MSNU0000021. The first four letters MSNU are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000021 map to this branch in SURAT, GUJARAT.

Branch details at a glance

About The Mehsana Urban Cooperative Bank

The Mehsana Urban Cooperative Bank operates a wide network of branches across India, including the Sosiyo Circle branch in Surat. 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, MSNU0000021.

Sosiyo Circle branch overview

Located at 3-4, GROUND FLOOR, ORLANCE COMPLEX, OPP. SARVODAY PETROL PUMP, NEAR SOSYO CIRCLE, UDHANA MAGDALLA ROAD, SURAT - 395002, DIST. - SURAT, STATE - GUJARAT, the Sosiyo Circle branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MSNU0000021 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 SOSIYO CIRCLE branch came to be assigned the code MSNU0000021.

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 MSNU0000021, money simply cannot be routed to the SOSIYO CIRCLE branch electronically.

How to transfer money using IFSC MSNU0000021

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 MSNU0000021 across all three.

NEFT to The Mehsana Urban Cooperative Bank, SOSIYO CIRCLE using IFSC MSNU0000021

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 MSNU0000021, and confirm that the system picks up The Mehsana Urban Cooperative Bank – SOSIYO CIRCLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SOSIYO CIRCLE

If you need to transfer ₹2 lakh or more in one go to an account at The Mehsana Urban Cooperative Bank's SOSIYO CIRCLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSNU0000021 while initiating the transfer and the credit will appear within minutes.

IMPS to The Mehsana Urban Cooperative Bank SOSIYO CIRCLE (IFSC MSNU0000021)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000021 in your mobile or internet banking app, and the money is credited to the SOSIYO CIRCLE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sosiyo Circle

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 MSNU0000021:

• 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 SOSIYO CIRCLE is still linked to IFSC MSNU0000021.

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 MSNU0000021

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 – SOSIYO CIRCLE is still mapped to IFSC MSNU0000021. 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 MSNU0000021 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sosiyo Circle branch

Once you have an account at The Mehsana Urban Cooperative Bank – SOSIYO CIRCLE, the IFSC MSNU0000021 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 Sosiyo Circle branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2631600.

• 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 MSNU0000021

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 MSNU0000021 and the account number together uniquely identify the Sosiyo Circle branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC MSNU0000021

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SOSIYO CIRCLE 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 MSNU0000021 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.

Common mistakes to avoid when using IFSC MSNU0000021

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 – SOSIYO CIRCLE, 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: MSNU0000021.
• 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.

Reaching the branch

The Sosiyo Circle branch sits at 3-4, GROUND FLOOR, ORLANCE COMPLEX, OPP. SARVODAY PETROL PUMP, NEAR SOSYO CIRCLE, UDHANA MAGDALLA ROAD, SURAT - 395002, DIST. - SURAT, STATE - GUJARAT. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2631600 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 MSNU0000021 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MSNU0000021 for The Mehsana Urban Cooperative Bank – SOSIYO CIRCLE, 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.

Working hours

Branch counters at Sosiyo Circle 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 MSNU0000021 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MSNU0000021 belongs to The Mehsana Urban Cooperative Bank's SOSIYO CIRCLE branch, located at 3-4, GROUND FLOOR, ORLANCE COMPLEX, OPP. SARVODAY PETROL PUMP, NEAR SOSYO… in SURAT, 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.