IFSC Code of Saraspur Nagrik Cooperative Bank Limited Saraspur, Memnagar Branch Branch, Gujarat

Below are the complete branch details for Saraspur Nagrik Cooperative Bank Limited Saraspur, MEMNAGAR BRANCH branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SNBK0000004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SNBK0000004 for Saraspur Nagrik Cooperative Bank Limited Saraspur – MEMNAGAR BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SNBK0000004 is the IFSC of Saraspur Nagrik Cooperative Bank Limited Saraspur's MEMNAGAR BRANCH branch. The format is fixed: SNBK = bank code, 0 = reserved, 000004 = branch identifier.

About the bank

Saraspur Nagrik Cooperative Bank Limited Saraspur serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Memnagar Branch branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code SNBK0000004 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at FIRST FLOOR,MANSI POINT,OPP MARUTI COMPLEX,GURUKUL ROAD,MEMNAGAR,AHMEDABAD. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Saraspur Nagrik Cooperative Bank Limited Saraspur. The IFSC SNBK0000004 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Saraspur Nagrik Cooperative Bank Limited Saraspur's MEMNAGAR BRANCH branch came to be assigned the code SNBK0000004.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC SNBK0000004, money simply cannot be routed to the MEMNAGAR BRANCH branch electronically.

Products and account variants supported

Every account opened at the Memnagar Branch branch is mapped to IFSC SNBK0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of Saraspur Nagrik Cooperative Bank Limited Saraspur, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains SNBK0000004.

Banking services available

The Memnagar Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-27489517.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC SNBK0000004

How to transfer money using IFSC SNBK0000004

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SNBK0000004 across all three.

How to use IFSC SNBK0000004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraspur Nagrik Cooperative Bank Limited Saraspur's MEMNAGAR BRANCH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SNBK0000004.
4. Confirm the bank name auto-populates as Saraspur Nagrik Cooperative Bank Limited Saraspur and the branch as MEMNAGAR BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MEMNAGAR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Saraspur Nagrik Cooperative Bank Limited Saraspur's MEMNAGAR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SNBK0000004 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Saraspur Nagrik Cooperative Bank Limited Saraspur – MEMNAGAR BRANCH, use IMPS. With IFSC SNBK0000004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SNBK0000004 for Saraspur Nagrik Cooperative Bank Limited Saraspur – MEMNAGAR BRANCH, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Memnagar Branch branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC SNBK0000004

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Saraspur Nagrik Cooperative Bank Limited Saraspur – MEMNAGAR BRANCH is still mapped to IFSC SNBK0000004. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SNBK0000004 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SNBK0000004

Saraspur Nagrik Cooperative Bank Limited Saraspur customers can register for net banking and the bank's official mobile app once their account at the MEMNAGAR BRANCH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SNBK0000004 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Memnagar Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SNBK0000004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Saraspur Nagrik Cooperative Bank Limited Saraspur – MEMNAGAR BRANCH:

• The IFSC is exactly SNBK0000004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Saraspur Nagrik Cooperative Bank Limited Saraspur as the bank name and MEMNAGAR BRANCH as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Memnagar Branch branch

The branch is located at FIRST FLOOR,MANSI POINT,OPP MARUTI COMPLEX,GURUKUL ROAD,MEMNAGAR,AHMEDABAD, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Saraspur Nagrik Cooperative Bank Limited Saraspur Memnagar Branch branch” — the verified location pin for IFSC SNBK0000004 should appear at the top of the results.
2. Confirm the branch is open by calling 79-27489517 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SNBK0000004 and your account number.

Verifying IFSC SNBK0000004 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SNBK0000004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-27489517.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Memnagar Branch are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SNBK0000004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SNBK0000004 belongs to Saraspur Nagrik Cooperative Bank Limited Saraspur's MEMNAGAR BRANCH branch, located at FIRST FLOOR,MANSI POINT,OPP MARUTI COMPLEX,GURUKUL ROAD,MEMNAGAR,AHMEDABAD in AHMEDABAD, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.