IFSC Code of Saraswat Cooperative Bank Limited, Zone -- Vi, Aurangabad Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's ZONE -- VI, AURANGABAD branch in AURANGABAD, MAHARASHTRA. The branch's IFSC code SRCB0000085 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Saraswat Cooperative Bank Limited's ZONE -- VI, AURANGABAD branch, the IFSC SRCB0000085 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and 000085 identifies this particular branch.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Zone -- Vi, Aurangabad branch — IFSC SRCB0000085 — extends the bank's services to customers in and around Aurangabad, Maharashtra.

Branch details at a glance

Zone -- Vi, Aurangabad branch overview

Located at MADHU SHILIP, PLOT NO. 6, C/2, TOWN CENTRE, NEAR CIDCO BUS STAND, CIDCO, AURANGABAD - 431 003, the Zone -- Vi, Aurangabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000085 is required for all interbank electronic transfers routed through this branch.

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 Saraswat Cooperative Bank Limited's ZONE -- VI, AURANGABAD branch came to be assigned the code SRCB0000085.

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 SRCB0000085, money simply cannot be routed to the ZONE -- VI, AURANGABAD branch electronically.

Account types you can open at the Zone -- Vi, Aurangabad branch

Once you have an account at Saraswat Cooperative Bank Limited – ZONE -- VI, AURANGABAD, the IFSC SRCB0000085 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Zone -- Vi, Aurangabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 240-2243014.

• 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 SRCB0000085

How to transfer money using IFSC SRCB0000085

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 SRCB0000085 across all three.

How to use IFSC SRCB0000085 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's ZONE -- VI, AURANGABAD 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 SRCB0000085.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as ZONE -- VI, AURANGABAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SRCB0000085

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Saraswat Cooperative Bank Limited – ZONE -- VI, AURANGABAD, ensure your bank's portal accepts IFSC SRCB0000085 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Saraswat Cooperative Bank Limited – ZONE -- VI, AURANGABAD, use IMPS. With IFSC SRCB0000085 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Zone -- Vi, Aurangabad

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SRCB0000085:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ZONE -- VI, AURANGABAD is still linked to IFSC SRCB0000085.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Saraswat Cooperative Bank Limited's ZONE -- VI, AURANGABAD branch, the IFSC SRCB0000085 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC SRCB0000085

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZONE -- VI, AURANGABAD 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 SRCB0000085 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Saraswat Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SRCB0000085 and the account number together uniquely identify the Zone -- Vi, Aurangabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SRCB0000085

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Saraswat Cooperative Bank Limited – ZONE -- VI, AURANGABAD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SRCB0000085.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Zone -- Vi, Aurangabad branch

The branch is located at MADHU SHILIP, PLOT NO. 6, C/2, TOWN CENTRE, NEAR CIDCO BUS STAND, CIDCO, AURANGABAD - 431 003, which puts it inside Aurangabad, the broader Aurangabad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Zone -- Vi, Aurangabad branch” — the verified location pin for IFSC SRCB0000085 should appear at the top of the results.
2. Confirm the branch is open by calling 240-2243014 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 SRCB0000085 and your account number.

Verifying IFSC SRCB0000085 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 SRCB0000085 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 240-2243014.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Zone -- Vi, Aurangabad 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 SRCB0000085 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000085 belongs to Saraswat Cooperative Bank Limited's ZONE -- VI, AURANGABAD branch, located at MADHU SHILIP, PLOT NO. 6, C/2, TOWN CENTRE, NEAR CIDCO BUS STAND, CIDCO,… in AURANGABAD, MAHARASHTRA. 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.