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Cosmos Co-operative Bank

AURANGABAD BRANCH

+912402349626

IFSC CODE
COSB0000018
MICR Code 431164003
Branch Code 000018
City / District AURANGABAD
State MAHARASHTRA
Office Address 13001/1(PART), NEW ROKADE HANUMAN COLONEY, JALNA ROAD, AURANGABADPIN - 431003
Phone +912402349626
📍 View Branch on Google Maps

Understanding IFSC Code: The Digital DNA of Cosmos Co-operative Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the AURANGABAD branch of Cosmos Co-operative Bank, the code COSB0000018 ensures that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual errors. In an era of instant payments, having the correct IFSC is as important as the account number itself.

Anatomy of the COSB0000018 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"COSB" represents Cosmos Co-operative Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for AURANGABAD

Payment Systems Supported by COSB0000018

System Transfer Limit Processing Time
NEFT No Minimum (Up to ₹50 Lakhs+) Half-hourly batches (24x7)
RTGS Minimum ₹2 Lakhs Real-time settlement
IMPS Up to ₹5 Lakhs Instant (Mobile/P2P)

Why do you need the MICR Code?

While IFSC is for digital transfers, the Magnetic Ink Character Recognition (MICR) code—431164003—is primarily used for the processing and clearance of physical cheques. This 9-digit code helps in identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing faster and error-free.

Bank Holidays & Availability

The Cosmos Co-operative Bank in AURANGABAD typically follows the RBI holiday calendar. Digital transfers via COSB0000018 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.

Security Warning & Verification

Always verify the branch details before making a large payment. While COSB0000018 is the valid code for AURANGABAD at AURANGABAD, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Related Searches

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Financial Tools

  • • GST Calculator Online
  • • Personal Loan EMI Calc
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Branch Context

  • • AURANGABAD Contact
  • • Address of Cosmos Co-operative Bank
  • • MICR Code Finder
  • • MAHARASHTRA Banking Circle

Platform Links

  • • Anand Design DevBox
  • • SEO Performance Hub
  • • Webmaster Tools
  • • IFSC Finder v2.0

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