Cosmos Co Operative Bank Malad W IFSC Code
Cosmos Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Malad W
Address
Shop No. 6,7 & 8, Keval Tower, B.j. Patel Road, Malad (w), Mumbai - 400064
View on Google MapsDistrict
Mumbai
State
Maharashtra
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Other Cosmos Co Operative Bank Branches in Mumbai
4 nearby branches — click to view IFSC
Dadar West (l Vaidya Road Off Ranade - 0012)
32/34, Neelkanth Niwas, D.l.vaidya Road, Off Ranade Rd., Dadar, Mumbai 400 028
Vile Parle East (niwas Hanuman Road Vile Parl - 0017)
45, Saraswati Niwas, Hanuman Road, Vile Parle (e), Mumbai 400 057
Zaveri Bazar (vitthalwadi Kalbadevi Road M - 0021)
19/21, Vitthalwadi, Kalbadevi Road, Mumbai 400 002
Mulund West (society Gowardhan Nagar Lbs - 0022)
Apporva Co-op Hsg. Society, Gowardhan Nagar, Lbs Marg, Mulund (w), Mumbai 400 080
Frequently Asked Questions
About Cosmos Co Operative Bank Malad W (j Patel Road Malad (w) - 0099), Mumbai
The IFSC code COSB0000099 (lowercase: cosb0000099) belongs to Cosmos Co Operative Bank, specifically the Malad W (j Patel Road Malad (w) - 0099) branch located in Mumbai, Maharashtra.
The 5th character in the IFSC code COSB0000099 is a zero (0), not the letter 'O'. The correct format is COSB0000099 (lowercase: cosb0000099), and not COSBO000099. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Cosmos Co Operative Bank Malad W (j Patel Road Malad (w) - 0099) in Mumbai, Maharashtra is COSB0000099. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Cosmos Co Operative Bank Malad W (j Patel Road Malad (w) - 0099) is located at Shop No. 6,7 & 8, Keval Tower, B.j. Patel Road, Malad (w), Mumbai - 400064, Mumbai, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Cosmos Co Operative Bank Malad W (j Patel Road Malad (w) - 0099) is 400164023. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code COSB0000099 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code COSB0000099 by checking: (1) The top-left corner of any Cosmos Co Operative Bank Malad W (j Patel Road Malad (w) - 0099) cheque leaf, (2) The first page of your Cosmos Co Operative Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: COSB0000099
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
COSB0000099
What Each Part Means
- Bank Code — COSB
- The first 4 characters uniquely identify Cosmos Co Operative Bank at the national level. Every branch of Cosmos Co Operative Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000099
- The final 6 characters 000099 uniquely identify this specific branch within the Cosmos Co Operative Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | COSB | Identifies Cosmos Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000099 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Cosmos Co Operative Bank
Malad W (j Patel Road Malad (w) - 0099), Mumbai, Maharashtra
Cheque No.
00000099
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | COSB0000099 | 400164023 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.