Maharashtra State Co-operative Bank
KANDIVALI BRANCH
+912028051121
Understanding IFSC Code: The Digital DNA of Maharashtra State Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the KANDIVALI
branch of Maharashtra State Co-operative Bank, the code MSCI0082022 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 MSCI0082022 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"MSCI" represents Maharashtra State Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for KANDIVALI
Payment Systems Supported by MSCI0082022
| 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—400082022—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 Maharashtra State Co-operative Bank in MUMBAI typically follows the RBI holiday calendar. Digital transfers via MSCI0082022 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 MSCI0082022 is the valid code for KANDIVALI at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Maharashtra State Co-operative Bank Branch List
- • MUMBAI IFSC Codes
- • Swift Code for Maharashtra State Co-operative Bank
- • Bank Holiday in MAHARASHTRA
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • KANDIVALI Contact
- • Address of Maharashtra State Co-operative Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: Maharashtra State Co-operative Bank MSCI0082022 code, find KANDIVALI branch details, Maharashtra State Co-operative Bank MUMBAI contact number, MAHARASHTRA bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for Maharashtra State Co-operative Bank MUMBAI, online neft rtgs imps guide india, how to find ifsc code of Maharashtra State Co-operative Bank.