IFSC Code of Saraswat Cooperative Bank Limited, Sundarlal Sawji Urban Co-Op. Bank Ltd Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's SUNDARLAL SAWJI URBAN CO-OP. BANK LTD branch in KARANJA, MAHARASHTRA. The branch's IFSC code SRCB0SSB007 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.

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, SRCB0SSB007 is the IFSC of Saraswat Cooperative Bank Limited's SUNDARLAL SAWJI URBAN CO-OP. BANK LTD branch. The format is fixed: SRCB = bank code, 0 = reserved, SSB007 = branch identifier.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sundarlal Sawji Urban Co-Op. Bank Ltd branch — IFSC SRCB0SSB007 — extends the bank's services to customers in and around Karanja, Maharashtra.

About this branch

The branch is located at NEAR POST OFFICE,KARANJA. It serves the Karanja 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 SRCB0SSB007 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SUNDARLAL SAWJI URBAN CO-OP. BANK LTD of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0SSB007 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 SRCB0SSB007 the same way you would treat your account number — verify it once and save it carefully for future use.

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 SRCB0SSB007 and the account number together uniquely identify the Sundarlal Sawji Urban Co-Op. Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SRCB0SSB007

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 SRCB0SSB007 across all three.

How to use IFSC SRCB0SSB007 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's SUNDARLAL SAWJI URBAN CO-OP. BANK LTD 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 SRCB0SSB007.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as SUNDARLAL SAWJI URBAN CO-OP. BANK LTD.
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 SRCB0SSB007

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 – SUNDARLAL SAWJI URBAN CO-OP. BANK LTD, ensure your bank's portal accepts IFSC SRCB0SSB007 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Saraswat Cooperative Bank Limited SUNDARLAL SAWJI URBAN CO-OP. BANK LTD (IFSC SRCB0SSB007)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0SSB007 in your mobile or internet banking app, and the money is credited to the SUNDARLAL SAWJI URBAN CO-OP. BANK LTD branch account within seconds.

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

All three modes accept the IFSC SRCB0SSB007 for Saraswat Cooperative Bank Limited – SUNDARLAL SAWJI URBAN CO-OP. BANK LTD, 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 Sundarlal Sawji Urban Co-Op. Bank Ltd 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.

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 SUNDARLAL SAWJI URBAN CO-OP. BANK LTD branch, the IFSC SRCB0SSB007 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.

Products and account variants supported

Every account opened at the Sundarlal Sawji Urban Co-Op. Bank Ltd branch is mapped to IFSC SRCB0SSB007 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 SRCB0SSB007.

Banking services available

The Sundarlal Sawji Urban Co-Op. Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7256-223071.

• 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 SRCB0SSB007

Digital banking channels

Most day-to-day work that customers used to do at the Sundarlal Sawji Urban Co-Op. Bank Ltd 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 SRCB0SSB007 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.

How to reach the Sundarlal Sawji Urban Co-Op. Bank Ltd branch

The branch is located at NEAR POST OFFICE,KARANJA, which puts it inside Karanja, the broader Washim district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Sundarlal Sawji Urban Co-Op. Bank Ltd branch” — the verified location pin for IFSC SRCB0SSB007 should appear at the top of the results.
2. Confirm the branch is open by calling 7256-223071 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 SRCB0SSB007 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 – SUNDARLAL SAWJI URBAN CO-OP. BANK LTD:

• The IFSC is exactly SRCB0SSB007 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 SUNDARLAL SAWJI URBAN CO-OP. BANK LTD 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.

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 Sundarlal Sawji Urban Co-Op. Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0SSB007, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0SSB007 for Saraswat Cooperative Bank Limited – SUNDARLAL SAWJI URBAN CO-OP. BANK LTD, 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

Summary

The IFSC code SRCB0SSB007 belongs to Saraswat Cooperative Bank Limited's SUNDARLAL SAWJI URBAN CO-OP. BANK LTD branch, located at NEAR POST OFFICE,KARANJA in KARANJA, 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.