IFSC Code of Saraswat Cooperative Bank Limited, Badlapur East Branch, Maharashtra

If you are searching for the IFSC code of Saraswat Cooperative Bank Limited, BADLAPUR EAST branch in BADLAPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SRCB0CNS018. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BADLAPUR EAST branch, and detailed step-by-step guides for using the IFSC SRCB0CNS018 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Saraswat Cooperative Bank Limited – BADLAPUR EAST is SRCB0CNS018. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CNS018 map to this branch in BADLAPUR, MAHARASHTRA.

About the bank

Saraswat Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Badlapur East branch in Badlapur, Maharashtra is part of this network and uses the IFSC code SRCB0CNS018 for all electronic settlement.

Branch details at a glance

About the Badlapur East branch

The Badlapur East branch of Saraswat Cooperative Bank Limited is situated at SHOP NO.6,8,9,41,42 AND 42A, SIDDHIVINAYAK TOWER, BADLAPUR EAST, DIST. THANE-421503. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SRCB0CNS018 is used.

Why every Saraswat Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BADLAPUR EAST of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0CNS018 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SRCB0CNS018 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Badlapur East branch is mapped to IFSC SRCB0CNS018 on the RBI payments network. The branch generally supports the full retail product catalogue of Saraswat Cooperative Bank Limited, 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 SRCB0CNS018.

Banking services available

The Badlapur East branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 SRCB0CNS018

How to transfer money using IFSC SRCB0CNS018

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 SRCB0CNS018 across all three.

NEFT to Saraswat Cooperative Bank Limited, BADLAPUR EAST using IFSC SRCB0CNS018

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SRCB0CNS018, and confirm that the system picks up Saraswat Cooperative Bank Limited – BADLAPUR EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BADLAPUR EAST

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's BADLAPUR EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0CNS018 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited BADLAPUR EAST (IFSC SRCB0CNS018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0CNS018 in your mobile or internet banking app, and the money is credited to the BADLAPUR EAST branch account within seconds.

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

All three modes accept the IFSC SRCB0CNS018 for Saraswat Cooperative Bank Limited – BADLAPUR EAST, 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 Badlapur East 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 SRCB0CNS018

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 Saraswat Cooperative Bank Limited – BADLAPUR EAST is still mapped to IFSC SRCB0CNS018. 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 SRCB0CNS018 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SRCB0CNS018

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BADLAPUR EAST 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 SRCB0CNS018 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 Badlapur East branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0CNS018 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 Saraswat Cooperative Bank Limited – BADLAPUR EAST:

• The IFSC is exactly SRCB0CNS018 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Saraswat Cooperative Bank Limited as the bank name and BADLAPUR EAST 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.

Reaching the branch

The Badlapur East branch sits at SHOP NO.6,8,9,41,42 AND 42A, SIDDHIVINAYAK TOWER, BADLAPUR EAST, DIST. THANE-421503. If you are travelling from outside Badlapur, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SRCB0CNS018 and your account number.

Verifying IFSC SRCB0CNS018 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 SRCB0CNS018 by:

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

Working hours

Branch counters at Badlapur East 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 SRCB0CNS018 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0CNS018 is the IFSC code of Saraswat Cooperative Bank Limited, BADLAPUR EAST branch, in BADLAPUR, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.