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

Below are the complete branch details for Saraswat Cooperative Bank Limited, CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0CNS004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SRCB0CNS004 for Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SRCB0CNS004 is the IFSC of Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI branch. The format is fixed: SRCB = bank code, 0 = reserved, CNS004 = branch identifier.

Branch details at a glance

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Chembur Nagarik Sahakari Bank - Chunabhatti 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, SRCB0CNS004.

About this branch

The branch is located at SHOP NO.1,LAXMINIWAS,GULMOHAR LANE,V N PURAV MARG,CHUNABHATTI,MUMBAI -400022. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Saraswat Cooperative Bank Limited. The IFSC SRCB0CNS004 is used to identify this branch on the RBI payments network.

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 - CHUNABHATTI of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0CNS004 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 SRCB0CNS004 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SRCB0CNS004

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 SRCB0CNS004 across all three.

NEFT to Saraswat Cooperative Bank Limited, CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI using IFSC SRCB0CNS004

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 SRCB0CNS004, and confirm that the system picks up Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SRCB0CNS004

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 - CHUNABHATTI, ensure your bank's portal accepts IFSC SRCB0CNS004 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 – CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI, use IMPS. With IFSC SRCB0CNS004 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 SRCB0CNS004 for Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI, 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 Chembur Nagarik Sahakari Bank - Chunabhatti 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 CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI branch, the IFSC SRCB0CNS004 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 Chembur Nagarik Sahakari Bank - Chunabhatti branch is mapped to IFSC SRCB0CNS004 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 SRCB0CNS004.

Products and services

Customers walking into the Chembur Nagarik Sahakari Bank - Chunabhatti 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 SRCB0CNS004

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 SRCB0CNS004 and the account number together uniquely identify the Chembur Nagarik Sahakari Bank - Chunabhatti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SRCB0CNS004

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 - CHUNABHATTI 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 SRCB0CNS004 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 – CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI:

• The IFSC is exactly SRCB0CNS004 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 CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI 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.

Reaching the branch

The Chembur Nagarik Sahakari Bank - Chunabhatti branch sits at SHOP NO.1,LAXMINIWAS,GULMOHAR LANE,V N PURAV MARG,CHUNABHATTI,MUMBAI -400022. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-24056950 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 SRCB0CNS004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0CNS004 for Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI, 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.

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 Chembur Nagarik Sahakari Bank - Chunabhatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0CNS004, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0CNS004 is the IFSC code of Saraswat Cooperative Bank Limited, CHEMBUR NAGARIK SAHAKARI BANK - CHUNABHATTI 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.