Maharashtra State Co-operative Bank
SANTACRUZ ,WEST BRANCH
+912026105701
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 SANTACRUZ ,WEST
branch of Maharashtra State Co-operative Bank, the code MSCI0082027 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 MSCI0082027 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 SANTACRUZ ,WEST
Payment Systems Supported by MSCI0082027
| 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—400082027—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 MSCI0082027 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 MSCI0082027 is the valid code for SANTACRUZ ,WEST at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
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Branch Context
- • SANTACRUZ ,WEST Contact
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Platform Links
- • Anand Design DevBox
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