Use this page as a one-stop reference for everything related to The Municipal Cooperative Bank Limited Mumbai's branch in , MAHARASHTRA. The branch's IFSC code MUBL0000004 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.
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 Municipal Cooperative Bank Limited Mumbai – is MUBL0000004. The first four letters MUBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000004 map to this branch in , MAHARASHTRA.
About The Municipal Cooperative Bank Limited Mumbai
The Municipal Cooperative Bank Limited Mumbai operates a wide network of branches across India, including the branch in . 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, MUBL0000004.
Branch details at a glance
| Bank Name | The Municipal Cooperative Bank Limited Mumbai |
|---|---|
| IFSC Code | MUBL0000004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SOMAN BUILDING, DR.BHALERAO MARG, J.S.ROAD, MUMBAI-400 004. |
| State | Maharashtra |
| Phone | 23888512 |
About this branch
The branch is located at SOMAN BUILDING, DR.BHALERAO MARG, J.S.ROAD, MUMBAI-400 004.. It serves the 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 Municipal Cooperative Bank Limited Mumbai. The IFSC MUBL0000004 is used to identify this branch on the RBI payments network.
Why every The Municipal Cooperative Bank Limited Mumbai 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 of The Municipal Cooperative Bank Limited Mumbai — its own 11-character IFSC. The code MUBL0000004 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 MUBL0000004 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the branch
Once you have an account at The Municipal Cooperative Bank Limited Mumbai – , the IFSC MUBL0000004 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 branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 23888512.
- 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 MUBL0000004
How to transfer money using IFSC MUBL0000004
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 MUBL0000004 across all three.
NEFT to The Municipal Cooperative Bank Limited Mumbai, using IFSC MUBL0000004
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 MUBL0000004, and confirm that the system picks up The Municipal Cooperative Bank Limited Mumbai – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to
If you need to transfer ₹2 lakh or more in one go to an account at The Municipal Cooperative Bank Limited Mumbai's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MUBL0000004 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to The Municipal Cooperative Bank Limited Mumbai – , use IMPS. With IFSC MUBL0000004 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 MUBL0000004 for The Municipal Cooperative Bank Limited Mumbai – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – MUBL0000004 | Yes – MUBL0000004 | Yes – MUBL0000004 |
For most retail customers crediting the 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 Municipal Cooperative Bank Limited Mumbai's branch, the IFSC MUBL0000004 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.
Online banking and IFSC MUBL0000004
The Municipal Cooperative Bank Limited Mumbai customers can register for net banking and the bank's official mobile app once their account at the 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 MUBL0000004 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by The Municipal Cooperative Bank Limited Mumbai carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MUBL0000004 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC MUBL0000004
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 Municipal Cooperative Bank Limited Mumbai – , 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:
MUBL0000004. - 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 branch
The branch is located at SOMAN BUILDING, DR.BHALERAO MARG, J.S.ROAD, MUMBAI-400 004., which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “The Municipal Cooperative Bank Limited Mumbai branch” — the verified location pin for IFSC MUBL0000004 should appear at the top of the results.
- Confirm the branch is open by calling 23888512 before stepping out, especially around public holidays.
- 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 MUBL0000004 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC MUBL0000004 for The Municipal Cooperative Bank Limited Mumbai – , 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.
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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MUBL0000004, however, work 24x7.
Branch address & contact
The Municipal Cooperative Bank Limited MumbaiBranch
SOMAN BUILDING, DR.BHALERAO MARG, J.S.ROAD, MUMBAI-400 004.
, Maharashtra
Phone: 23888512
IFSC: MUBL0000004
Frequently asked questions
How quickly will an NEFT transfer using MUBL0000004 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Municipal Cooperative Bank Limited Mumbai – reflect within 30 minutes.
Where is The Municipal Cooperative Bank Limited Mumbai branch located?
The Municipal Cooperative Bank Limited Mumbai's branch is located at SOMAN BUILDING, DR.BHALERAO MARG, J.S.ROAD, MUMBAI-400 004., , Maharashtra.
What is the IFSC code of The Municipal Cooperative Bank Limited Mumbai branch?
The IFSC code of The Municipal Cooperative Bank Limited Mumbai, branch is MUBL0000004. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add The Municipal Cooperative Bank Limited Mumbai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MUBL0000004, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of The Municipal Cooperative Bank Limited Mumbai branch?
You can reach the branch at 23888512 during regular banking hours.
Is IFSC MUBL0000004 valid for NEFT and RTGS?
Yes. IFSC MUBL0000004 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC MUBL0000004 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC MUBL0000004 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the branch but serve different purposes.
Summary
The IFSC code MUBL0000004 belongs to The Municipal Cooperative Bank Limited Mumbai's branch, located at SOMAN BUILDING, DR.BHALERAO MARG, J.S.ROAD, MUMBAI-400 004. in , MAHARASHTRA. 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.
