Below are the complete branch details for Saraswat Cooperative Bank Limited, GOREGAON ,E branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000028. 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 SRCB0000028 for Saraswat Cooperative Bank Limited – GOREGAON ,E — 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, SRCB0000028 is the IFSC of Saraswat Cooperative Bank Limited's GOREGAON ,E branch. The format is fixed: SRCB = bank code, 0 = reserved, 000028 = branch identifier.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | Goregaon ,E |
| IFSC Code | SRCB0000028 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR. FLR, UNIT NO.1,AND BASEMENT UNIT NO 4,A-WING,BALKRISHNA APT,HETALI BALKRISHNA CHS.LGOGATE WADI RD,OP.SANMITRA SCHOL GOREGAON (E) |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 24671248 |
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 Goregaon ,E branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SRCB0000028 for all electronic settlement.
About the Goregaon ,E branch
The Goregaon ,E branch of Saraswat Cooperative Bank Limited is situated at GR. FLR, UNIT NO.1,AND BASEMENT UNIT NO 4,A-WING,BALKRISHNA APT,HETALI BALKRISHNA CHS.LGOGATE WADI RD,OP.SANMITRA SCHOL GOREGAON (E). 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 SRCB0000028 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 GOREGAON ,E of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000028 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 SRCB0000028 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 SRCB0000028
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 SRCB0000028 across all three.
NEFT to Saraswat Cooperative Bank Limited, GOREGAON ,E using IFSC SRCB0000028
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 SRCB0000028, and confirm that the system picks up Saraswat Cooperative Bank Limited – GOREGAON ,E. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SRCB0000028
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 – GOREGAON ,E, ensure your bank's portal accepts IFSC SRCB0000028 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Saraswat Cooperative Bank Limited GOREGAON ,E (IFSC SRCB0000028)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000028 in your mobile or internet banking app, and the money is credited to the GOREGAON ,E branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SRCB0000028 for Saraswat Cooperative Bank Limited – GOREGAON ,E, 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 – SRCB0000028 | Yes – SRCB0000028 | Yes – SRCB0000028 |
For most retail customers crediting the Goregaon ,E 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 GOREGAON ,E branch, the IFSC SRCB0000028 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 Goregaon ,E branch is mapped to IFSC SRCB0000028 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 SRCB0000028.
Products and services
Customers walking into the Goregaon ,E 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 SRCB0000028
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 SRCB0000028 and the account number together uniquely identify the Goregaon ,E 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 Goregaon ,E 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 SRCB0000028 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.
Common mistakes to avoid when using IFSC SRCB0000028
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 – GOREGAON ,E, 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:
SRCB0000028. - 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.
Reaching the branch
The Goregaon ,E branch sits at GR. FLR, UNIT NO.1,AND BASEMENT UNIT NO 4,A-WING,BALKRISHNA APT,HETALI BALKRISHNA CHS.LGOGATE WADI RD,OP.SANMITRA SCHOL GOREGAON (E). If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-24671248 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 SRCB0000028 and your account number.
Verifying IFSC SRCB0000028 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 SRCB0000028 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-24671248.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Goregaon ,E 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 SRCB0000028 continue to work without interruption.
Branch address & contact
Saraswat Cooperative Bank LimitedGoregaon ,E Branch
GR. FLR, UNIT NO.1,AND BASEMENT UNIT NO 4,A-WING,BALKRISHNA APT,HETALI BALKRISHNA CHS.LGOGATE WADI RD,OP.SANMITRA SCHOL GOREGAON (E)
Mumbai, Maharashtra
Phone: 22-24671248
IFSC: SRCB0000028
Frequently asked questions
How do I add Saraswat Cooperative Bank Limited Goregaon ,E as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0000028, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Saraswat Cooperative Bank Limited Goregaon ,E branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-24671248 to confirm.
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 Goregaon ,E branch but serve different purposes.
Where is Saraswat Cooperative Bank Limited Goregaon ,E branch located?
Saraswat Cooperative Bank Limited's Goregaon ,E branch is located at GR. FLR, UNIT NO.1,AND BASEMENT UNIT NO 4,A-WING,BALKRISHNA APT,HETALI BALKRISHNA CHS.LGOGATE WADI RD,OP.SANMITRA SCHOL GOREGAON (E), Mumbai, Maharashtra.
Is IFSC SRCB0000028 valid for NEFT and RTGS?
Yes. IFSC SRCB0000028 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SRCB0000028 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000028 to send funds instantly.
How quickly will an NEFT transfer using SRCB0000028 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – Goregaon ,E reflect within 30 minutes.
What is the phone number of Saraswat Cooperative Bank Limited Goregaon ,E branch?
You can reach the branch at 22-24671248 during regular banking hours.
Summary
The IFSC code SRCB0000028 belongs to Saraswat Cooperative Bank Limited's GOREGAON ,E branch, located at GR. FLR, UNIT NO.1,AND BASEMENT UNIT NO 4,A-WING,BALKRISHNA APT,HETALI… 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.
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