Cosmos Co-operative Bank
PRODUCTIVITY ROAD BRANCH
3248705
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 PRODUCTIVITY ROAD
branch of Cosmos Co-operative Bank, the code COSB0000064 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 COSB0000064 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"COSB" represents Cosmos Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for PRODUCTIVITY ROAD
Payment Systems Supported by COSB0000064
| 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—390164002—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 VADODARA typically follows the RBI holiday calendar. Digital transfers via COSB0000064 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 COSB0000064 is the valid code for PRODUCTIVITY ROAD at VADODARA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Cosmos Co-operative Bank Branch List
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- • Swift Code for Cosmos Co-operative Bank
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • PRODUCTIVITY ROAD Contact
- • Address of Cosmos Co-operative Bank
- • MICR Code Finder
- • GUJARAT Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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