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

Below are the complete branch details for Saraswat Cooperative Bank Limited, CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0CNS008. 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 SRCB0CNS008 for Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR — 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, SRCB0CNS008 is the IFSC of Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR branch. The format is fixed: SRCB = bank code, 0 = reserved, CNS008 = branch identifier.

Branch details at a glance

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chembur Nagarik Sahakari Bank - Ghatkopar branch — IFSC SRCB0CNS008 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Chembur Nagarik Sahakari Bank - Ghatkopar branch

The Chembur Nagarik Sahakari Bank - Ghatkopar branch of Saraswat Cooperative Bank Limited is situated at SHOP NO.1 & 2,EAGLE CHS,KARMVIHAR BLDG,B WING,PANT NAGAR,GHTKOPAR,MUMBAI -400077. 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 SRCB0CNS008 is used.

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 - GHATKOPAR of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0CNS008 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 SRCB0CNS008 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 SRCB0CNS008

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 SRCB0CNS008 across all three.

How to use IFSC SRCB0CNS008 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 - GHATKOPAR 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 SRCB0CNS008.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0CNS008 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR (IFSC SRCB0CNS008)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0CNS008 in your mobile or internet banking app, and the money is credited to the CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR branch account within seconds.

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

All three modes accept the IFSC SRCB0CNS008 for Saraswat Cooperative Bank Limited – CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR, 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 - Ghatkopar 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 SRCB0CNS008

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 - GHATKOPAR is still mapped to IFSC SRCB0CNS008. 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 SRCB0CNS008 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chembur Nagarik Sahakari Bank - Ghatkopar branch is mapped to IFSC SRCB0CNS008 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 SRCB0CNS008.

Products and services

Customers walking into the Chembur Nagarik Sahakari Bank - Ghatkopar 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 SRCB0CNS008

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 SRCB0CNS008 and the account number together uniquely identify the Chembur Nagarik Sahakari Bank - Ghatkopar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Chembur Nagarik Sahakari Bank - Ghatkopar 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 SRCB0CNS008 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.

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 - GHATKOPAR:

• The IFSC is exactly SRCB0CNS008 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 - GHATKOPAR 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 - Ghatkopar branch sits at SHOP NO.1 & 2,EAGLE CHS,KARMVIHAR BLDG,B WING,PANT NAGAR,GHTKOPAR,MUMBAI -400077. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-21020570 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 SRCB0CNS008 and your account number.

Verifying IFSC SRCB0CNS008 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 SRCB0CNS008 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-21020570.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chembur Nagarik Sahakari Bank - Ghatkopar 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 SRCB0CNS008 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0CNS008 belongs to Saraswat Cooperative Bank Limited's CHEMBUR NAGARIK SAHAKARI BANK - GHATKOPAR branch, located at SHOP NO.1 & 2,EAGLE CHS,KARMVIHAR BLDG,B WING,PANT NAGAR,GHTKOPAR,MUMBAI -400077 in MUMBAI, 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.