This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, LANJA branch in LANJA. The 11-digit IFSC SRCB0000227 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 LANJA 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 LANJA branch, the IFSC SRCB0000227 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and 000227 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 Lanja branch in Lanja, Maharashtra is part of this network and uses the IFSC code SRCB0000227 for all electronic settlement.
Lanja branch overview
Located at HOUSE NO. 1538, OPP. NEW ENGLISH SCHOOL, MUMBAI-GOA HIGHWAY, LANJA 416 701, DIST. RATNAGIRI, the Lanja branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000227 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | Lanja |
| IFSC Code | SRCB0000227 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO. 1538, OPP. NEW ENGLISH SCHOOL, MUMBAI-GOA HIGHWAY, LANJA 416 701, DIST. RATNAGIRI |
| City | Lanja |
| District | Ratnagiri |
| State | Maharashtra |
| STD Code | 2351 |
| Phone | 230195 |
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 LANJA of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000227 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 SRCB0000227 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Lanja branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000227 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SRCB0000227
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 SRCB0000227 across all three.
NEFT to Saraswat Cooperative Bank Limited, LANJA using IFSC SRCB0000227
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 SRCB0000227, and confirm that the system picks up Saraswat Cooperative Bank Limited – LANJA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SRCB0000227
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 – LANJA, ensure your bank's portal accepts IFSC SRCB0000227 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 – LANJA, use IMPS. With IFSC SRCB0000227 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 SRCB0000227 for Saraswat Cooperative Bank Limited – LANJA, 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 – SRCB0000227 | Yes – SRCB0000227 | Yes – SRCB0000227 |
For most retail customers crediting the Lanja 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 LANJA branch, the IFSC SRCB0000227 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 Lanja branch is mapped to IFSC SRCB0000227 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 SRCB0000227.
Banking services available
The Lanja branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2351-230195.
- 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 SRCB0000227
Digital banking channels
Most day-to-day work that customers used to do at the Lanja 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 SRCB0000227 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.
Reaching the branch
The Lanja branch sits at HOUSE NO. 1538, OPP. NEW ENGLISH SCHOOL, MUMBAI-GOA HIGHWAY, LANJA 416 701, DIST. RATNAGIRI. If you are travelling from outside Lanja, search for the branch on a maps application using the bank name and locality, or call 2351-230195 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 SRCB0000227 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 – LANJA:
- The IFSC is exactly SRCB0000227 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 LANJA 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.
Working hours
Branch counters at Lanja 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 SRCB0000227 continue to work without interruption.
Verifying IFSC SRCB0000227 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 SRCB0000227 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2351-230195.
- Visiting the bank's official branch locator page.
Branch address & contact
Saraswat Cooperative Bank LimitedLanja Branch
HOUSE NO. 1538, OPP. NEW ENGLISH SCHOOL, MUMBAI-GOA HIGHWAY, LANJA 416 701, DIST. RATNAGIRI
Lanja, Maharashtra
Phone: 2351-230195
IFSC: SRCB0000227
Frequently asked questions
How quickly will an NEFT transfer using SRCB0000227 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – Lanja reflect within 30 minutes.
Can I use IFSC SRCB0000227 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000227 to send funds instantly.
How do I add Saraswat Cooperative Bank Limited Lanja as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0000227, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SRCB0000227 the same for all accounts at Lanja branch?
Yes. The IFSC SRCB0000227 is shared by every account held at Saraswat Cooperative Bank Limited's Lanja branch. Only the account number changes from customer to customer.
Where is Saraswat Cooperative Bank Limited Lanja branch located?
Saraswat Cooperative Bank Limited's Lanja branch is located at HOUSE NO. 1538, OPP. NEW ENGLISH SCHOOL, MUMBAI-GOA HIGHWAY, LANJA 416 701, DIST. RATNAGIRI, Lanja, Maharashtra.
What is the IFSC code of Saraswat Cooperative Bank Limited Lanja branch?
The IFSC code of Saraswat Cooperative Bank Limited, Lanja branch is SRCB0000227. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Saraswat Cooperative Bank Limited Lanja branch?
You can reach the branch at 2351-230195 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Lanja branch but serve different purposes.
Summary
The IFSC code SRCB0000227 belongs to Saraswat Cooperative Bank Limited's LANJA branch, located at HOUSE NO. 1538, OPP. NEW ENGLISH SCHOOL, MUMBAI-GOA HIGHWAY, LANJA 416 701,… in LANJA, 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.
