IFSC Code of Saraswat Cooperative Bank Limited, Mahapalika, Kolhapur Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, MAHAPALIKA, KOLHAPUR branch in KOLHAPUR. The 11-digit IFSC SRCB0000306 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 MAHAPALIKA, KOLHAPUR 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.

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 – MAHAPALIKA, KOLHAPUR is SRCB0000306. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000306 map to this branch in KOLHAPUR, MAHARASHTRA.

Branch details at a glance

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mahapalika, Kolhapur branch — IFSC SRCB0000306 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

About the Mahapalika, Kolhapur branch

The Mahapalika, Kolhapur branch of Saraswat Cooperative Bank Limited is situated at C WARD, 2187, BHAUSINGAJI ROAD, KOLHAPUR - 416002. 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 SRCB0000306 is used.

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 MAHAPALIKA, KOLHAPUR branch came to be assigned the code SRCB0000306.

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 SRCB0000306, money simply cannot be routed to the MAHAPALIKA, KOLHAPUR branch electronically.

How to transfer money using IFSC SRCB0000306

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 SRCB0000306 across all three.

NEFT to Saraswat Cooperative Bank Limited, MAHAPALIKA, KOLHAPUR using IFSC SRCB0000306

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 SRCB0000306, and confirm that the system picks up Saraswat Cooperative Bank Limited – MAHAPALIKA, KOLHAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAHAPALIKA, KOLHAPUR

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's MAHAPALIKA, KOLHAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000306 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Saraswat Cooperative Bank Limited – MAHAPALIKA, KOLHAPUR, use IMPS. With IFSC SRCB0000306 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 Mahapalika, Kolhapur

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 SRCB0000306:

• 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 MAHAPALIKA, KOLHAPUR is still linked to IFSC SRCB0000306.

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 MAHAPALIKA, KOLHAPUR branch, the IFSC SRCB0000306 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 Mahapalika, Kolhapur branch

Once you have an account at Saraswat Cooperative Bank Limited – MAHAPALIKA, KOLHAPUR, the IFSC SRCB0000306 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 Mahapalika, Kolhapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2644208.

• 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 SRCB0000306

MICR & cheque-truncation details

Cheques drawn on the Mahapalika, Kolhapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000306 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SRCB0000306

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MAHAPALIKA, KOLHAPUR 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 SRCB0000306 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.

Common mistakes to avoid when using IFSC SRCB0000306

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 – MAHAPALIKA, KOLHAPUR, 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: SRCB0000306.
• 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.

Reaching the branch

The Mahapalika, Kolhapur branch sits at C WARD, 2187, BHAUSINGAJI ROAD, KOLHAPUR - 416002. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 231-2644208 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 SRCB0000306 and your account number.

Verifying IFSC SRCB0000306 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 SRCB0000306 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 231-2644208.
• 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 Mahapalika, Kolhapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000306, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000306 belongs to Saraswat Cooperative Bank Limited's MAHAPALIKA, KOLHAPUR branch, located at C WARD, 2187, BHAUSINGAJI ROAD, KOLHAPUR - 416002 in KOLHAPUR, 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.