Cosmos Co-operative Bank (Cosmos) IFSC Code — Complete Guide
Cosmos Co-operative Bank is one of Maharashtra's largest co-operative banks, established in 1906 in Pune. With 140+ branches primarily in Pune, Nashik, Mumbai, and other Maharashtra cities, Cosmos Bank is known for retail banking, home loans, and MSME credit. The bank was the subject of one of India's first major cyber heists in 2018, after which it significantly upgraded its security infrastructure.
How to Find Cosmos IFSC Code
- Use the search tool above — select state, district and branch
- Check your Cosmos cheque book — IFSC printed at top of every leaf
- Open your Cosmos passbook — front page shows IFSC code
- Log in to Cosmos net banking → Account Details
Using Cosmos IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code COSBINBB (not IFSC) for overseas transfers.
Are Co-operative Banks Safe for Deposits?
Scheduled Urban Co-operative Banks (UCBs) like Saraswat Bank and SVC Bank are regulated by both the Reserve Bank of India and state governments. Deposits up to ₹5 lakh are insured by DICGC. Large, well-capitalised co-operative banks have strong track records of financial stability and customer trust.
Co-operative Bank IFSC Codes for Transfers
Scheduled co-operative banks are assigned IFSC codes by RBI and are fully integrated into India's NEFT/RTGS/IMPS payment network. Transfers to and from co-operative bank accounts work exactly the same way as with any scheduled commercial bank.
NEFT and IMPS Availability
- NEFT: All scheduled UCBs are NEFT-enabled. Transfers settle in 30 minutes, 24×7.
- RTGS: For transfers above ₹2 lakh. Available 24×7.
- IMPS: Instant transfers 24×7. Up to ₹5 lakh per transaction.