Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's RAJARAMPURI branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code SRCB0000073 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, SRCB0000073 is the IFSC of Saraswat Cooperative Bank Limited's RAJARAMPURI branch. The format is fixed: SRCB = bank code, 0 = reserved, 000073 = branch identifier.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | Rajarampuri |
| IFSC Code | SRCB0000073 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C.T.S. NO. 1716, E - WARD, RAJARAMPURI, 7TH LANE, KOLHAPUR - 416 008. |
| City | Kolhapur |
| District | Kolhapur |
| State | Maharashtra |
| STD Code | 231 |
| Phone | 2521550 |
Bank profile
Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajarampuri branch — IFSC SRCB0000073 — extends the bank's services to customers in and around Kolhapur, Maharashtra.
About the Rajarampuri branch
The Rajarampuri branch of Saraswat Cooperative Bank Limited is situated at C.T.S. NO. 1716, E - WARD, RAJARAMPURI, 7TH LANE, KOLHAPUR - 416 008.. 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 SRCB0000073 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 RAJARAMPURI branch came to be assigned the code SRCB0000073.
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 SRCB0000073, money simply cannot be routed to the RAJARAMPURI branch electronically.
How to transfer money using IFSC SRCB0000073
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 SRCB0000073 across all three.
NEFT to Saraswat Cooperative Bank Limited, RAJARAMPURI using IFSC SRCB0000073
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 SRCB0000073, and confirm that the system picks up Saraswat Cooperative Bank Limited – RAJARAMPURI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SRCB0000073
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 – RAJARAMPURI, ensure your bank's portal accepts IFSC SRCB0000073 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Saraswat Cooperative Bank Limited – RAJARAMPURI, use IMPS. With IFSC SRCB0000073 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SRCB0000073 for Saraswat Cooperative Bank Limited – RAJARAMPURI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SRCB0000073 | Yes – SRCB0000073 | Yes – SRCB0000073 |
For most retail customers crediting the Rajarampuri 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 SRCB0000073
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 – RAJARAMPURI is still mapped to IFSC SRCB0000073. 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 SRCB0000073 and the beneficiary's account number to complete the transfer.
Account types you can open at the Rajarampuri branch
Once you have an account at Saraswat Cooperative Bank Limited – RAJARAMPURI, the IFSC SRCB0000073 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 Rajarampuri 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 SRCB0000073
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 SRCB0000073 and the account number together uniquely identify the Rajarampuri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC SRCB0000073
Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAJARAMPURI 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 SRCB0000073 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.
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 – RAJARAMPURI:
- The IFSC is exactly SRCB0000073 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 RAJARAMPURI 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.
How to reach the Rajarampuri branch
The branch is located at C.T.S. NO. 1716, E - WARD, RAJARAMPURI, 7TH LANE, KOLHAPUR - 416 008., which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Rajarampuri branch” — the verified location pin for IFSC SRCB0000073 should appear at the top of the results.
- Confirm the branch is open by calling 231-2521550 before stepping out, especially around public holidays.
- 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 SRCB0000073 and your account number.
Verifying IFSC SRCB0000073 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 SRCB0000073 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 231-2521550.
- 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 Rajarampuri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000073, however, work 24x7.
Branch address & contact
Saraswat Cooperative Bank LimitedRajarampuri Branch
C.T.S. NO. 1716, E - WARD, RAJARAMPURI, 7TH LANE, KOLHAPUR - 416 008.
Kolhapur, Maharashtra
Phone: 231-2521550
IFSC: SRCB0000073
Frequently asked questions
How do I add Saraswat Cooperative Bank Limited Rajarampuri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0000073, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Saraswat Cooperative Bank Limited Rajarampuri branch?
You can reach the branch at 231-2521550 during regular banking hours.
Is IFSC SRCB0000073 the same for all accounts at Rajarampuri branch?
Yes. The IFSC SRCB0000073 is shared by every account held at Saraswat Cooperative Bank Limited's Rajarampuri branch. Only the account number changes from customer to customer.
Is IFSC SRCB0000073 valid for NEFT and RTGS?
Yes. IFSC SRCB0000073 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SRCB0000073 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000073 to send funds instantly.
How quickly will an NEFT transfer using SRCB0000073 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – Rajarampuri reflect within 30 minutes.
Final notes
To recap: SRCB0000073 is the IFSC code of Saraswat Cooperative Bank Limited, RAJARAMPURI branch, in KOLHAPUR, 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.
