Manoj runs a small business, and banking was quite a task for him earlier. But now, with the net and mobile banking at Mahesh Bank, he effortlessly manages his finances 24x7—from work to travel. This comfort is empowering entrepreneurs like Manoj across India.

"Digital technology is changing business, particularly in underdeveloped regions, by enhancing access to banking services," says the World Bank.

This has opened the doors for small vendors and entrepreneurs, creating economic growth and social development.

Mahesh Bank's simple, affordable, and transparent banking services make it easy to pay bills or transfer money anywhere and anytime without having to step into a branch. All these innovative approaches help customers such as Manoj to stay ahead of their finances and help in the growth of entrepreneurship in India as a whole.

What is Mahesh Bank?

Mahesh Bank is another bank set up in the year 1977 and is very popular in South and Western India. Personal banking services are savings accounts, current accounts, fixed deposits, and personal loans.

Loans that can be availed of by business houses are mortgage loans and loans against stock or machinery. Several other services, such as Forex, Demat accounts, online transfers, and deposits, are provided to make banking simple for every individual.

Services offered by Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

Here's the information about the services offered by Mahesh Bank Net Banking

Service	Description
Account Statement	View your account statement
Fund Transfer	Transfer funds between accounts within the bank or to other banks
Account Details	View your account details
Mini Statement	View your mini-statement
Loan Account Details	View your loan account details
Disbursement Details	View your disbursement details

Benefits of using Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

Mahesh Bank's net banking provides the following advantages to the users:

Accessibility: It allows you access to your account and make various transactions at your convenience, any time, not necessarily when the bank is open or on a holiday, but more flexible and convenient.
Convenience: Manages multiple accounts as you can administer everything from wherever you are so long as there is an internet connection.
Security: Net banking ensures safety by allowing online monitoring of account balances and transactions. So, any unauthorized transaction can be caught in no time.
Speed: It becomes easy and swift to transfer amounts from one account to another as it saves both time and energy for the customer.
Financial Education: The net banking system teaches about the bank account and processes that take place in transactions, teaching you the art of managing your finances well.
Reduced Geographical Barriers: You can perform any banking activity without a second thought of distance and time. Therefore, you can bank from anywhere in the world.

How to open a zero balance Andhra Pradesh Mahesh Cooperative Urban Bank account:

Documents Needed for Opening a Zero Balance Andhra Pradesh Mahesh Cooperative Urban Bank Account:

2 Passport-size Color Photos
PAN Card
Address Proof (choose one from below):
- Driving License
- Voter ID Card
- Passport
- Aadhaar Card with current address
- NREGA Job Card signed by a State Government officer
- Letter from the National Population Register with name and address details
Identification Proof (choose one from below):
- Driving License with current address
- Voter ID Card
- Passport
- PAN Card
- Aadhaar Card

Here’s the step-by-step process

Visit the official website of Mahesh Bank.
Scroll down a bit, locate ‘Savings Account’ and click on it.
Redirected to the page, scroll down a bit, locate ‘Click here to apply online’ and click on it.
You’ll be redirected to the Request Saving Account page.
Fill in the details (like first name, middle name, last name, email, mobile number, branch), and click on ‘Submit’.
Within 24 hours, you’ll get a call from the branch to verify your details.
All documents will be posted to your address within 7 working days.

How to Register for Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

Visit the official website of Mahesh Bank.
Click on Internet Banking (2nd option in the navigation bar).
Scroll down and click on Application for Registration.
Download the application form.
Submit the completed form at your home branch.
The branch will verify the application.
The bank will register your net banking account and generate your Login ID, Login Password, and Transaction Password.
The bank will send these credentials to your registered residential address in two different PIN mailers.

How to Log into Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

After submitting the Internet Banking registration form, customers will receive two PIN mailers: one with a Login ID and Password (starting with Q), and another with a Transaction Password (starting with T). Both passwords must be changed during the first login.

Read More – Varaccha Bank Balance Check Number

Here is the step-by-step login process:

Visit the official website of Mahesh Bank.
Click on ‘Internet Banking’ 2nd option in the navigation bar.
Scroll down a bit, and click on ‘Login to net banking-Retail’ for retail banking or ‘Login to net banking—Corporate' for corporate banking.
On the login page, enter your user ID and password, and click on submit.
If first-time login, the system asks for OTP.
Enter the OTP received on your registered mobile number.
Access the Change Password screen.
Change your Login Password.
Change your Transaction Password.
Enter the new passwords, and click on the ‘Submit’ button.

Disclaimer: If you don't remember your USER ID, then call the customer care of Andhra Pradesh Mahesh Cooperative Urban Bank (040-24615296). Or, you can find the message when you register your account in the Andhra Pradesh Mahesh Cooperative Urban Bank. That message will contain your USER ID and password for login.

Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking Password Reset

Here’s a step-by-step process on how to reset the password of Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking:

Visit the official website of Mahesh Bank.
Click on ‘Internet Banking’ 2nd option in the navigation bar.
Scroll down a bit, and click on ‘Login to net banking-Retail’ for retail banking or ‘Login to net banking-Corporate’ for corporate banking.
On the login page, click on ‘Generate/Forgot Password?’, 2nd option under Security Tips.
Enter your customer ID and mobile number, and click on the ‘Submit’ button.
Enter the OTP received on your registered mobile number.
Reset your Password.

Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking Fund Transfer

This facility allows customers to transfer funds to their accounts, other accounts within Mahesh Bank, and external banks via NEFT. Initially, the service was only available for transferring funds within Mahesh Bank accounts.

There are three options for fund transfers:

Transfer from your own Mahesh Bank account to another linked Mahesh Bank account.
Transfer from your own Mahesh Bank account to another Mahesh Bank customer’s account.
Transfer to an external bank account (Non-Mahesh Bank account).

Here’s a step-by-step process on how to transfer funds via Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking:

Visit the official website of Mahesh Bank.
Log into Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking (refer to the login steps above if needed).
Select the ‘Fund Transfer’ option.
Choose the correct option for adding the payee and click on the ‘Confirm Payee’ button.
Select the payee name details.
Enter the OTP received on your registered mobile number, and click on ‘Submit’.
Enter your Transaction Password.

Note: Before making any fund transfer, customers must first add or register the payee.

How to add Payee in Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

How to add Payee in Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

Visit the official website of Mahesh Bank.
Log into Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking (refer to the login steps above if needed).
Click on the 'Add Payee’ button at the top of the page.
Choose the Branch Code and Product Code from the dropdown menu.
Add the beneficiary details (like name, Account number, IFSC Code, Email ID), and click on the ‘Submit’ button.
Enter the OTP received on your registered mobile number.

Limits and Charges on transferring funds via Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

Here are the charges and limits for transferring funds through Mahesh Bank’s net banking

Transfer Method	Transaction Amount	Charges
NEFT	Up to ₹10,000	₹ 2.50 per transaction
	₹10,001 to ₹ 1,00,000	₹5 per transaction
	₹1,00,001 to ₹2,00,000	₹15 per transaction
	₹2,00,001 and above	₹25 per transaction
RTGS	Above ₹1,00000 to ₹2,00000	₹12 + GST
	Above ₹ 2,00000	₹20 + GST
IMPS	All transactions	₹5 to ₹15 per transaction
	Maximum limit	Up to ₹2,00000 per day

Andhra Pradesh Mahesh Cooperative Urban Bank Account Balance Check

You can receive SMS alerts for your balance and recent transactions by calling 8287820820 from your registered mobile number.

Here's What You Should Know About Deactivating Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

If you enter the wrong user ID or password three times, your account will be locked. It will be available again the next day. In case of urgency, you can unlock it at the bank branch.
The bank can deactivate your Internet Banking ID if it hasn’t been used for a certain period or if there’s unsatisfactory behaviour related to your account.

How to Activate Mobile Banking in Andhra Pradesh Mahesh Cooperative Urban Bank?

Here's a step-by-step process on how to activate your mobile banking in Andhra Pradesh Mahesh Cooperative Urban Bank:

Visit the official website of Mahesh Bank.
Click on ‘Mobile Banking,’ 1st option in the navigation bar.
Scroll down a bit and click on ‘Registration Form for Mobile Banking’.
Download the application form.
Submit the application form at the branch where the user maintains an account.
Branch shall verify the application.

Now, you can easily log into Andhra Pradesh Mahesh Cooperative Urban Bank’s app.

Download ‘AP Mahesh Bank Mobile App’ from the Google Play Store or Apple Play Store.
Install the application on your device.
Open the app and accept the terms and conditions.
Verify your registered mobile number.
Create your new MPIN.
Create your new TPIN.
Sign in with your application PIN.
You've successfully logged in to APMCUB’s net banking.

Facilities offered by Andhra Pradesh Mahesh Cooperative Urban Bank mobile banking

Here’s the information about mobile banking features

Feature	Description
Send Money	Transfer money using just the recipient's mobile number.
Instant Credit	The recipient receives the money instantly.
Receive Money	Receive funds without sharing your account number.
24/7 Availability	Service is available at any time, throughout the year.
Free of Cost	There are no charges for using the service.
Easy to Use	The service is simple and user-friendly.
Safe & Secure	The transaction process is secure and protected.

How to check account balance via Andhra Pradesh Mahesh Cooperative Urban Bank’s app.

Download the ‘AP Mahesh Bank Mobile App’ from the Google Play Store or Apple Play Store.
Install the application on your device.
Open the app and accept the terms and conditions.
Click on ‘Balance Enquiry’.
You can see your account balance on the screen.

How to avail services through SMS?

Here are the formats for various queries:

Also Read - Mehsana Urban Bank Net Banking

Option	Syntax & Example
Balance	Send SMS Balance SB <A/C No.> to 9248077450
Mini	Send SMS Mini SB <A/C No.> to 9248077450
IMPS	Send SMS IMPS <Beneficiary Mobile No> <B.MMID> <Amount> <OTP Pin + last 3 digits of sender MMID> to 9248077450
OTP	Send SMS OTP <M Pin> to 9248077450
O Pin	Send SMS O Pin <old> <new> to 9248077450

Conclusion

Mahesh Bank's digital banking services are revolutionising the way entrepreneurs such as Manoj manage their finances. Net and mobile banking allows effortless fund transfers and bill payments, which make businesses flourish. The bank's simple, secure, and accessible services are making banking easy for anyone, regardless of location.

This innovation empowers entrepreneurs all over India to support economic growth and social development in underdeveloped regions. Whether it is done through SMS, mobile apps, or online transfer facilities, Mahesh Bank offers everyone an effortless banking system.

FAQs related to Andhra Pradesh Mahesh Cooperative Urban Bank Net Banking

Q1: What is required for a net banking transaction?

Net banking is only accessible through an active bank account and a registration process. Once registered, you can enjoy the features of net banking without visiting a physical branch, including fund transfers, bill payments, and checking your account details.

Q2: What is the full form of IMPS?

IMPS stands for Immediate Payment Service, an instant money transfer service offered by the National Payment Corporation of India (NPCI).

Q3: What is MMID?

A Mobile Money Identifier, or MMID, is a 7-digit unique code provided by banks to their customers registered under mobile banking. For transferring money through IMPS immediately to a beneficiary's mobile number linked to their bank account, one requires the MMID.

Q4: Do I need a debit card for net banking?

No, you do not need a debit card for net banking. Just ask the bank to give you the facility of net banking. They will issue a kit to you with your user ID and password. You can change the password to whatever you want and start using the facility of net banking for your transactions.

Q5: How long does it take to activate online banking?

Once your account is successfully verified, online banking will be activated. This process usually takes around 3-5 business days.

Other Net Banking Services
Varachha Bank Net Banking	Thane Bharat Sahakari Bank Net Banking	KCC Net Banking	BGGB Net Banking
Suryoday Net Banking	Fincare Small Finance Bank Net Banking	RMGB Net Banking	APGB Net Banking
TMB Net Banking	CRGB Net Banking	CSB Bank Net Banking	Fino Net Banking
Bharat Bank Net Banking	BCCB Net Banking	OGB Net Banking	City Bank Net Banking
HSBC Net Banking	Corporation Bank Net Banking	IDBI Bank Net Banking	Allahabad Bank Net Banking
HDFC Bank Net Banking	TTMS Net Banking	DBS Bank Net Banking	SBI Net Banking
Capital Small Finance Bank Net Banking	ICICI Bank Net Banking	Karnataka Bank Net Banking	Karur Vysya Bank Net Banking
Kerala Gramin Bank Net Banking	NESFB Net Banking	NKGSB Net Banking	Duetsche Bank Net Banking
Federal Bank Net Banking	Paytm Net Banking	Post Office Net Banking	BOB Bank Net Banking
Union Bank Net Banking	Bandhan Bank Net Banking	Bank of India Net Banking	Standard Chartered Net Banking
Syndicate Bank Net Banking	Yes Bank Net Banking	Central Bank Net Banking	IndusInd Bank Net Banking