IFSC Code of Saraswat Cooperative Bank Limited, Kamothe Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, KAMOTHE branch in KAMOTHE. The 11-digit IFSC SRCB0000402 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 KAMOTHE 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.

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, SRCB0000402 is the IFSC of Saraswat Cooperative Bank Limited's KAMOTHE branch. The format is fixed: SRCB = bank code, 0 = reserved, 000402 = branch identifier.

Branch details at a glance

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Kamothe branch in Kamothe. 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, SRCB0000402.

Kamothe branch overview

Located at GREENSCAPE ROYALE, SHOP NO 1 TO 4, PLOT NO. 25, SECTOR 7, KAMOTHE, NAVI MUMBAI - 410209, the Kamothe branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000402 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 KAMOTHE branch came to be assigned the code SRCB0000402.

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 SRCB0000402, money simply cannot be routed to the KAMOTHE branch electronically.

How to transfer money using IFSC SRCB0000402

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 SRCB0000402 across all three.

NEFT to Saraswat Cooperative Bank Limited, KAMOTHE using IFSC SRCB0000402

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 SRCB0000402, and confirm that the system picks up Saraswat Cooperative Bank Limited – KAMOTHE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SRCB0000402

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 – KAMOTHE, ensure your bank's portal accepts IFSC SRCB0000402 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Saraswat Cooperative Bank Limited KAMOTHE (IFSC SRCB0000402)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000402 in your mobile or internet banking app, and the money is credited to the KAMOTHE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kamothe

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 SRCB0000402:

• 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 KAMOTHE is still linked to IFSC SRCB0000402.

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 KAMOTHE branch, the IFSC SRCB0000402 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 Kamothe branch

Once you have an account at Saraswat Cooperative Bank Limited – KAMOTHE, the IFSC SRCB0000402 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.

Products and services

Customers walking into the Kamothe branch can access most of Saraswat Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC SRCB0000402

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 SRCB0000402 and the account number together uniquely identify the Kamothe branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kamothe 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 SRCB0000402 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.

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 – KAMOTHE:

• The IFSC is exactly SRCB0000402 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 KAMOTHE 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 Kamothe branch sits at GREENSCAPE ROYALE, SHOP NO 1 TO 4, PLOT NO. 25, SECTOR 7, KAMOTHE, NAVI MUMBAI - 410209. If you are travelling from outside Kamothe, search for the branch on a maps application using the bank name and locality, or call 22-27431571 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 SRCB0000402 and your account number.

Verifying IFSC SRCB0000402 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 SRCB0000402 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-27431571.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kamothe branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000402, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000402 is the IFSC code of Saraswat Cooperative Bank Limited, KAMOTHE branch, in KAMOTHE, 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.