IFSC Code of Saraswat Cooperative Bank Limited, Chembur Nagarik Sahakari Bank - Bhandup Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SRCB0CNS010 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, SRCB0CNS010 is the IFSC of Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP branch. The format is fixed: SRCB = bank code, 0 = reserved, CNS010 = branch identifier.

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Chembur Nagarik Sahakari Bank - Bhandup branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SRCB0CNS010.

Branch details at a glance

Chembur Nagarik Sahakari Bank - Bhandup branch overview

Located at SHOP NO.12-14,A WING,SHIVSAGAR COMPLEX,BHANDUP,MUMBAI -400078, the Chembur Nagarik Sahakari Bank - Bhandup branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0CNS010 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 CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0CNS010 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 SRCB0CNS010 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Chembur Nagarik Sahakari Bank - Bhandup branch

Once you have an account at Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP, the IFSC SRCB0CNS010 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 Chembur Nagarik Sahakari Bank - Bhandup 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 SRCB0CNS010

How to transfer money using IFSC SRCB0CNS010

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 SRCB0CNS010 across all three.

How to use IFSC SRCB0CNS010 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP 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 SRCB0CNS010.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP.
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 SRCB0CNS010

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 – CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP, ensure your bank's portal accepts IFSC SRCB0CNS010 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Saraswat Cooperative Bank Limited CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP (IFSC SRCB0CNS010)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0CNS010 in your mobile or internet banking app, and the money is credited to the CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chembur Nagarik Sahakari Bank - Bhandup

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 SRCB0CNS010:

• 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 CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP is still linked to IFSC SRCB0CNS010.

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.

UPI payments and IFSC SRCB0CNS010

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 – CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP is still mapped to IFSC SRCB0CNS010. 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 SRCB0CNS010 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SRCB0CNS010

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP 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 SRCB0CNS010 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 Chembur Nagarik Sahakari Bank - Bhandup branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0CNS010 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC SRCB0CNS010

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 – CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP, 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: SRCB0CNS010.
• 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.

How to reach the Chembur Nagarik Sahakari Bank - Bhandup branch

The branch is located at SHOP NO.12-14,A WING,SHIVSAGAR COMPLEX,BHANDUP,MUMBAI -400078, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Chembur Nagarik Sahakari Bank - Bhandup branch” — the verified location pin for IFSC SRCB0CNS010 should appear at the top of the results.
2. Confirm the branch is open by calling 22-25964640 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 SRCB0CNS010 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0CNS010 for Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP, 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 Chembur Nagarik Sahakari Bank - Bhandup 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 SRCB0CNS010 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0CNS010 is the IFSC code of Saraswat Cooperative Bank Limited, CHEMBUR NAGARIK SAHAKARI BANK - BHANDUP branch, in MUMBAI, 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.