IFSC Code of The Muslim Cooperative Bank Limited, P S Road Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Muslim Cooperative Bank Limited's P S ROAD branch in PUNE, MAHARASHTRA. The branch's IFSC code MSLM0000010 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.

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 Muslim Cooperative Bank Limited's P S ROAD branch, the IFSC MSLM0000010 breaks down as follows: MSLM identifies the bank, 0 is the reserved character, and 000010 identifies this particular branch.

Branch details at a glance

About the bank

The Muslim Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its P S Road branch in Pune, Maharashtra is part of this network and uses the IFSC code MSLM0000010 for all electronic settlement.

About this branch

The branch is located at LAXMI VILAS,MUKUNDNAGAR,PUNE-411037. It serves the Pune 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 Muslim Cooperative Bank Limited. The IFSC MSLM0000010 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 Muslim Cooperative Bank Limited's P S ROAD branch came to be assigned the code MSLM0000010.

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 MSLM0000010, money simply cannot be routed to the P S ROAD branch electronically.

How to transfer money using IFSC MSLM0000010

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 MSLM0000010 across all three.

How to use IFSC MSLM0000010 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Muslim Cooperative Bank Limited's P S ROAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MSLM0000010.
4. Confirm the bank name auto-populates as The Muslim Cooperative Bank Limited and the branch as P S ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MSLM0000010

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 Muslim Cooperative Bank Limited – P S ROAD, ensure your bank's portal accepts IFSC MSLM0000010 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Muslim Cooperative Bank Limited P S ROAD (IFSC MSLM0000010)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSLM0000010 in your mobile or internet banking app, and the money is credited to the P S ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to P S Road

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 MSLM0000010:

• 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 P S ROAD is still linked to IFSC MSLM0000010.

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 Muslim Cooperative Bank Limited's P S ROAD branch, the IFSC MSLM0000010 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.

Products and account variants supported

Every account opened at the P S Road branch is mapped to IFSC MSLM0000010 on the RBI payments network. The branch generally supports the full retail product catalogue of The Muslim Cooperative Bank Limited, 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 MSLM0000010.

Products and services

Customers walking into the P S Road branch can access most of The Muslim Cooperative Bank Limited'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 MSLM0000010

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Muslim Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MSLM0000010 and the account number together uniquely identify the P S Road 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 P S Road 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 MSLM0000010 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 Muslim Cooperative Bank Limited – P S ROAD:

• The IFSC is exactly MSLM0000010 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Muslim Cooperative Bank Limited as the bank name and P S ROAD 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 P S Road branch sits at LAXMI VILAS,MUKUNDNAGAR,PUNE-411037. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 0 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 MSLM0000010 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MSLM0000010 for The Muslim Cooperative Bank Limited – P S ROAD, 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 P S Road 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 MSLM0000010 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MSLM0000010 belongs to The Muslim Cooperative Bank Limited's P S ROAD branch, located at LAXMI VILAS,MUKUNDNAGAR,PUNE-411037 in PUNE, 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.