IFSC Code of Saraswat Cooperative Bank Limited, Kandivli Govt. Ind.Estate Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, KANDIVLI GOVT. IND.ESTATE branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000130. 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 SRCB0000130 for Saraswat Cooperative Bank Limited – KANDIVLI GOVT. IND.ESTATE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KANDIVLI GOVT. IND.ESTATE is SRCB0000130. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000130 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 Kandivli Govt. Ind.Estate branch — IFSC SRCB0000130 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Kandivli Govt. Ind.Estate branch overview

Located at ROCK AVENUE,PLOT E,HINDUSTAN NAKA,KANDIVALI WEST,MUMBAI 400067, the Kandivli Govt. Ind.Estate branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000130 is required for all interbank electronic transfers routed through this branch.

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 KANDIVLI GOVT. IND.ESTATE branch came to be assigned the code SRCB0000130.

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 SRCB0000130, money simply cannot be routed to the KANDIVLI GOVT. IND.ESTATE branch electronically.

Account types you can open at the Kandivli Govt. Ind.Estate branch

Once you have an account at Saraswat Cooperative Bank Limited – KANDIVLI GOVT. IND.ESTATE, the IFSC SRCB0000130 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 Kandivli Govt. Ind.Estate 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 SRCB0000130

How to transfer money using IFSC SRCB0000130

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 SRCB0000130 across all three.

NEFT to Saraswat Cooperative Bank Limited, KANDIVLI GOVT. IND.ESTATE using IFSC SRCB0000130

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 SRCB0000130, and confirm that the system picks up Saraswat Cooperative Bank Limited – KANDIVLI GOVT. IND.ESTATE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANDIVLI GOVT. IND.ESTATE

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's KANDIVLI GOVT. IND.ESTATE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000130 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited KANDIVLI GOVT. IND.ESTATE (IFSC SRCB0000130)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000130 in your mobile or internet banking app, and the money is credited to the KANDIVLI GOVT. IND.ESTATE branch account within seconds.

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

All three modes accept the IFSC SRCB0000130 for Saraswat Cooperative Bank Limited – KANDIVLI GOVT. IND.ESTATE, 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 Kandivli Govt. Ind.Estate 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 SRCB0000130

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 – KANDIVLI GOVT. IND.ESTATE is still mapped to IFSC SRCB0000130. 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 SRCB0000130 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kandivli Govt. Ind.Estate 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 SRCB0000130 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.

MICR & cheque-truncation details

Cheques drawn on the Kandivli Govt. Ind.Estate branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000130 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 SRCB0000130

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 – KANDIVLI GOVT. IND.ESTATE, 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: SRCB0000130.
• 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 Kandivli Govt. Ind.Estate branch

The branch is located at ROCK AVENUE,PLOT E,HINDUSTAN NAKA,KANDIVALI WEST,MUMBAI 400067, 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 Kandivli Govt. Ind.Estate branch” — the verified location pin for IFSC SRCB0000130 should appear at the top of the results.
2. Confirm the branch is open by calling 22-24671175 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 SRCB0000130 and your account number.

Verifying IFSC SRCB0000130 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 SRCB0000130 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-24671175.
• Visiting the bank's official branch locator page.

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 Kandivli Govt. Ind.Estate branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000130, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000130 belongs to Saraswat Cooperative Bank Limited's KANDIVLI GOVT. IND.ESTATE branch, located at ROCK AVENUE,PLOT E,HINDUSTAN NAKA,KANDIVALI WEST,MUMBAI 400067 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.