IFSC Code of Saraswat Cooperative Bank Limited, Khadakpada - Kalyan Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, KHADAKPADA - KALYAN branch in KALYAN. The 11-digit IFSC SRCB0000379 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Saraswat Cooperative Bank Limited at the KHADAKPADA - KALYAN location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 KHADAKPADA - KALYAN branch, the IFSC SRCB0000379 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and 000379 identifies this particular branch.

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Khadakpada - Kalyan branch in Kalyan. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SRCB0000379.

About this branch

The branch is located at MOHAN HEIGHTS, VAYLE NAGAR, BIRLA COLLEGE HIGHWAY, KHADAKPADA, KALYAN (WEST) 421 301.. It serves the Kalyan region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Saraswat Cooperative Bank Limited. The IFSC SRCB0000379 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KHADAKPADA - KALYAN branch came to be assigned the code SRCB0000379.

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 SRCB0000379, money simply cannot be routed to the KHADAKPADA - KALYAN branch electronically.

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 SRCB0000379 and the account number together uniquely identify the Khadakpada - Kalyan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SRCB0000379

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 SRCB0000379 across all three.

NEFT to Saraswat Cooperative Bank Limited, KHADAKPADA - KALYAN using IFSC SRCB0000379

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 SRCB0000379, and confirm that the system picks up Saraswat Cooperative Bank Limited – KHADAKPADA - KALYAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHADAKPADA - KALYAN

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's KHADAKPADA - KALYAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000379 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited KHADAKPADA - KALYAN (IFSC SRCB0000379)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000379 in your mobile or internet banking app, and the money is credited to the KHADAKPADA - KALYAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Khadakpada - Kalyan

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 SRCB0000379:

• 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 KHADAKPADA - KALYAN is still linked to IFSC SRCB0000379.

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 KHADAKPADA - KALYAN branch, the IFSC SRCB0000379 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.

Account types you can open at the Khadakpada - Kalyan branch

Once you have an account at Saraswat Cooperative Bank Limited – KHADAKPADA - KALYAN, the IFSC SRCB0000379 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 Khadakpada - Kalyan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2302208.

• 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 SRCB0000379

Digital banking channels

Most day-to-day work that customers used to do at the Khadakpada - Kalyan branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SRCB0000379 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Khadakpada - Kalyan branch sits at MOHAN HEIGHTS, VAYLE NAGAR, BIRLA COLLEGE HIGHWAY, KHADAKPADA, KALYAN (WEST) 421 301.. If you are travelling from outside Kalyan, search for the branch on a maps application using the bank name and locality, or call 251-2302208 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 SRCB0000379 and your account number.

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 – KHADAKPADA - KALYAN:

• The IFSC is exactly SRCB0000379 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 KHADAKPADA - KALYAN 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.

Working hours

Branch counters at Khadakpada - Kalyan 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 SRCB0000379 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000379 for Saraswat Cooperative Bank Limited – KHADAKPADA - KALYAN, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000379 is the IFSC code of Saraswat Cooperative Bank Limited, KHADAKPADA - KALYAN branch, in KALYAN, 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.