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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, UNJHA branch in UNJHA. The 11-digit IFSC MSNU0000008 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 UNJHA 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Mehsana Urban Cooperative Bank's UNJHA branch, the IFSC MSNU0000008 breaks down as follows: MSNU identifies the bank, 0 is the reserved character, and 000008 identifies this particular branch.

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 Unjha branch in Unjha, Gujarat is part of this network and uses the IFSC code MSNU0000008 for all electronic settlement.

About this branch

The branch is located at NEAR UNJHA PHARMACY, STATION ROAD, UNJHA - 384170, DIST. - MEHSANA, STATE - GUJARAT. It serves the Unjha 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 MSNU0000008 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 UNJHA branch came to be assigned the code MSNU0000008.

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 MSNU0000008, money simply cannot be routed to the UNJHA branch electronically.

How to transfer money using IFSC MSNU0000008

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 MSNU0000008 across all three.

NEFT to The Mehsana Urban Cooperative Bank, UNJHA using IFSC MSNU0000008

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 MSNU0000008, and confirm that the system picks up The Mehsana Urban Cooperative Bank – UNJHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MSNU0000008

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 – UNJHA, ensure your bank's portal accepts IFSC MSNU0000008 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Mehsana Urban Cooperative Bank – UNJHA, use IMPS. With IFSC MSNU0000008 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC MSNU0000008 for The Mehsana Urban Cooperative Bank – UNJHA, 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 Unjha 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.

UPI payments and IFSC MSNU0000008

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 – UNJHA is still mapped to IFSC MSNU0000008. 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 MSNU0000008 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Unjha branch is mapped to IFSC MSNU0000008 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 MSNU0000008.

Products and services

Customers walking into the Unjha 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 MSNU0000008

MICR & cheque-truncation details

Cheques drawn on the Unjha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MSNU0000008 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC MSNU0000008

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the UNJHA 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 MSNU0000008 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 MSNU0000008

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 – UNJHA, 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: MSNU0000008.
• 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 Unjha branch sits at NEAR UNJHA PHARMACY, STATION ROAD, UNJHA - 384170, DIST. - MEHSANA, STATE - GUJARAT. If you are travelling from outside Unjha, search for the branch on a maps application using the bank name and locality, or call 2767-250530 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 MSNU0000008 and your account number.

Verifying IFSC MSNU0000008 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 MSNU0000008 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2767-250530.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Unjha 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 MSNU0000008 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MSNU0000008 belongs to The Mehsana Urban Cooperative Bank's UNJHA branch, located at NEAR UNJHA PHARMACY, STATION ROAD, UNJHA - 384170, DIST. - MEHSANA, STATE -… in UNJHA, 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.