Maharashtra State Co Operative Bank Santacruz West IFSC Code
Maharashtra State Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Santacruz West
District
Mumbai
State
Maharashtra
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Other Maharashtra State Co Operative Bank Branches in Mumbai
4 nearby branches — click to view IFSC
Fort Head Office (9 - 2002)
9, Maharashtra Chamber Of Commerce Lane, Fort, Mumbai 400001
Fort Ho (9 - 2001)
9, Maharashtra Chamber Of Commerce Lane, Fort, Mumbai 400001
Parel (268-272 Contractor Bldg Ambe - 2005)
268-272 Contractor Bldg Ambedkar Rd Parel 400012
Sion (murlidhar Mandir Trust Bldg - 2006)
Murlidhar Mandir Trust Bldg Plot 202 Sion 400022
Frequently Asked Questions
About Maharashtra State Co Operative Bank Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027), Mumbai
The IFSC code MSCI0082027 (lowercase: msci0082027) belongs to Maharashtra State Co Operative Bank, specifically the Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027) branch located in Mumbai, Maharashtra.
The 5th character in the IFSC code MSCI0082027 is a zero (0), not the letter 'O'. The correct format is MSCI0082027 (lowercase: msci0082027), and not MSCIO082027. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Maharashtra State Co Operative Bank Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027) in Mumbai, Maharashtra is MSCI0082027. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Maharashtra State Co Operative Bank Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027) is located at 2 Saiaradhana Chs P.s.rd Santacruz W 400054, 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 Maharashtra State Co Operative Bank Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027) is 400082027. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code MSCI0082027 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 MSCI0082027 by checking: (1) The top-left corner of any Maharashtra State Co Operative Bank Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027) cheque leaf, (2) The first page of your Maharashtra State 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: MSCI0082027
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
MSCI0082027
What Each Part Means
- Bank Code — MSCI
- The first 4 characters uniquely identify Maharashtra State Co Operative Bank at the national level. Every branch of Maharashtra State 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 — 082027
- The final 6 characters 082027 uniquely identify this specific branch within the Maharashtra State 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 | MSCI | Identifies Maharashtra State Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 082027 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Maharashtra State Co Operative Bank
Santacruz West (2 Saiaradhana Chs P.s.rd San - 2027), Mumbai, Maharashtra
Cheque No.
00082027
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 | MSCI0082027 | 400082027 |
| 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.