IFSC Code of Saraswat Cooperative Bank Limited, Bhadradri C U Bank- Kothagudem Branch, Telangana

This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, BHADRADRI C U BANK- KOTHAGUDEM branch in KOTHAGUDEM. The 11-digit IFSC SRCB0BCB004 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 BHADRADRI C U BANK- KOTHAGUDEM 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 BHADRADRI C U BANK- KOTHAGUDEM branch, the IFSC SRCB0BCB004 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and BCB004 identifies this particular branch.

About the bank

Saraswat Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhadradri C U Bank- Kothagudem branch in Kothagudem, Telangana is part of this network and uses the IFSC code SRCB0BCB004 for all electronic settlement.

Branch details at a glance

Bhadradri C U Bank- Kothagudem branch overview

Located at H.NO.6-4-87,GANESH BASTI,KOTHAGUDEM, the Bhadradri C U Bank- Kothagudem branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0BCB004 is required for all interbank electronic transfers routed through this branch.

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 BHADRADRI C U BANK- KOTHAGUDEM of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0BCB004 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 SRCB0BCB004 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bhadradri C U Bank- Kothagudem branch is mapped to IFSC SRCB0BCB004 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 SRCB0BCB004.

Banking services available

The Bhadradri C U Bank- Kothagudem branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8744-8744240009.

• 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 SRCB0BCB004

How to transfer money using IFSC SRCB0BCB004

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 SRCB0BCB004 across all three.

NEFT to Saraswat Cooperative Bank Limited, BHADRADRI C U BANK- KOTHAGUDEM using IFSC SRCB0BCB004

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 SRCB0BCB004, and confirm that the system picks up Saraswat Cooperative Bank Limited – BHADRADRI C U BANK- KOTHAGUDEM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHADRADRI C U BANK- KOTHAGUDEM

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's BHADRADRI C U BANK- KOTHAGUDEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0BCB004 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited BHADRADRI C U BANK- KOTHAGUDEM (IFSC SRCB0BCB004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0BCB004 in your mobile or internet banking app, and the money is credited to the BHADRADRI C U BANK- KOTHAGUDEM branch account within seconds.

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

All three modes accept the IFSC SRCB0BCB004 for Saraswat Cooperative Bank Limited – BHADRADRI C U BANK- KOTHAGUDEM, 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 Bhadradri C U Bank- Kothagudem 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 SRCB0BCB004

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 – BHADRADRI C U BANK- KOTHAGUDEM is still mapped to IFSC SRCB0BCB004. 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 SRCB0BCB004 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SRCB0BCB004

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHADRADRI C U BANK- KOTHAGUDEM 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 SRCB0BCB004 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.

MICR & cheque-truncation details

Cheques drawn on the Bhadradri C U Bank- Kothagudem branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0BCB004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – BHADRADRI C U BANK- KOTHAGUDEM:

• The IFSC is exactly SRCB0BCB004 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 BHADRADRI C U BANK- KOTHAGUDEM 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 Bhadradri C U Bank- Kothagudem branch

The branch is located at H.NO.6-4-87,GANESH BASTI,KOTHAGUDEM, which puts it inside Kothagudem, the broader Khammam district, and the state of Telangana. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Bhadradri C U Bank- Kothagudem branch” — the verified location pin for IFSC SRCB0BCB004 should appear at the top of the results.
2. Confirm the branch is open by calling 8744-8744240009 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 SRCB0BCB004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0BCB004 for Saraswat Cooperative Bank Limited – BHADRADRI C U BANK- KOTHAGUDEM, 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.

Working hours

Branch counters at Bhadradri C U Bank- Kothagudem 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 SRCB0BCB004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0BCB004 is the IFSC code of Saraswat Cooperative Bank Limited, BHADRADRI C U BANK- KOTHAGUDEM branch, in KOTHAGUDEM, TELANGANA. 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.