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Cosmos Co-operative Bank

VIJAYWADA BRANCH

+914027846543

IFSC CODE
COSB0000045
MICR Code 520164002
Branch Code 000045
City / District VIJAYWADA
State ANDHRA PRADESH
Office Address D.NO. 39-10-19, VETERNARY HOSPITAL ROAD, LABBIPET, VIJAYWADA 520 010 ANDHRA PRADESH
Phone +914027846543
📍 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 VIJAYWADA branch of Cosmos Co-operative Bank, the code COSB0000045 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 COSB0000045 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 VIJAYWADA

Payment Systems Supported by COSB0000045

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—520164002—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 VIJAYWADA typically follows the RBI holiday calendar. Digital transfers via COSB0000045 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 COSB0000045 is the valid code for VIJAYWADA at VIJAYWADA, 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
  • • FD Interest Rates 2026
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Branch Context

  • • VIJAYWADA Contact
  • • Address of Cosmos Co-operative Bank
  • • MICR Code Finder
  • • ANDHRA PRADESH Banking Circle

Platform Links

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

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