IFSC Code of Saraswat Cooperative Bank Limited, Cocpc, Carnac Bunder Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, COCPC, CARNAC BUNDER branch in MUMBAI. The 11-digit IFSC SRCB0000255 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 COCPC, CARNAC BUNDER 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Saraswat Cooperative Bank Limited – COCPC, CARNAC BUNDER is SRCB0000255. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000255 map to this branch in MUMBAI, MAHARASHTRA.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Cocpc, Carnac Bunder branch — IFSC SRCB0000255 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Cocpc, Carnac Bunder branch overview

Located at 129/130, VYAPAR BHAVAN, 1ST FLOOR, 49, P. DMELLO ROAD, CARNAC BUNDER, MUMBAI - 400009., the Cocpc, Carnac Bunder branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000255 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Saraswat Cooperative Bank Limited's COCPC, CARNAC BUNDER branch came to be assigned the code SRCB0000255.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC SRCB0000255, money simply cannot be routed to the COCPC, CARNAC BUNDER branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Cocpc, Carnac Bunder branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000255 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 SRCB0000255

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 SRCB0000255 across all three.

NEFT to Saraswat Cooperative Bank Limited, COCPC, CARNAC BUNDER using IFSC SRCB0000255

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 SRCB0000255, and confirm that the system picks up Saraswat Cooperative Bank Limited – COCPC, CARNAC BUNDER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SRCB0000255

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 – COCPC, CARNAC BUNDER, ensure your bank's portal accepts IFSC SRCB0000255 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Saraswat Cooperative Bank Limited COCPC, CARNAC BUNDER (IFSC SRCB0000255)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000255 in your mobile or internet banking app, and the money is credited to the COCPC, CARNAC BUNDER branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Cocpc, Carnac Bunder

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 SRCB0000255:

• 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 COCPC, CARNAC BUNDER is still linked to IFSC SRCB0000255.

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 SRCB0000255

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 – COCPC, CARNAC BUNDER is still mapped to IFSC SRCB0000255. 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 SRCB0000255 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Cocpc, Carnac Bunder branch is mapped to IFSC SRCB0000255 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 SRCB0000255.

Banking services available

The Cocpc, Carnac Bunder branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-23753630.

• 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 SRCB0000255

Online banking and IFSC SRCB0000255

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the COCPC, CARNAC BUNDER 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 SRCB0000255 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.

Reaching the branch

The Cocpc, Carnac Bunder branch sits at 129/130, VYAPAR BHAVAN, 1ST FLOOR, 49, P. DMELLO ROAD, CARNAC BUNDER, MUMBAI - 400009.. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-23753630 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 SRCB0000255 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 – COCPC, CARNAC BUNDER:

• The IFSC is exactly SRCB0000255 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 COCPC, CARNAC BUNDER 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 Cocpc, Carnac Bunder 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 SRCB0000255 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000255 for Saraswat Cooperative Bank Limited – COCPC, CARNAC BUNDER, 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 address & contact

Frequently asked questions

Final notes

To recap: SRCB0000255 is the IFSC code of Saraswat Cooperative Bank Limited, COCPC, CARNAC BUNDER 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.