IFSC Code of Saraswat Cooperative Bank Limited, Kurla N S Bank Govandi Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, KURLA N S BANK GOVANDI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0KNS005. 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 SRCB0KNS005 for Saraswat Cooperative Bank Limited – KURLA N S BANK GOVANDI — 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, SRCB0KNS005 is the IFSC of Saraswat Cooperative Bank Limited's KURLA N S BANK GOVANDI branch. The format is fixed: SRCB = bank code, 0 = reserved, KNS005 = branch identifier.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kurla N S Bank Govandi branch — IFSC SRCB0KNS005 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Kurla N S Bank Govandi branch

The Kurla N S Bank Govandi branch of Saraswat Cooperative Bank Limited is situated at SHILPSHREE APPARTMENT, OPP. PATAVARDHAN HIGH SCHOOL, GOVANDI STATION, MUMBAI 400 088. 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 SRCB0KNS005 is used.

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 KURLA N S BANK GOVANDI branch came to be assigned the code SRCB0KNS005.

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 SRCB0KNS005, money simply cannot be routed to the KURLA N S BANK GOVANDI branch electronically.

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 SRCB0KNS005 and the account number together uniquely identify the Kurla N S Bank Govandi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SRCB0KNS005

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 SRCB0KNS005 across all three.

How to use IFSC SRCB0KNS005 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's KURLA N S BANK GOVANDI 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 SRCB0KNS005.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as KURLA N S BANK GOVANDI.
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 KURLA N S BANK GOVANDI

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's KURLA N S BANK GOVANDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0KNS005 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Saraswat Cooperative Bank Limited – KURLA N S BANK GOVANDI, use IMPS. With IFSC SRCB0KNS005 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kurla N S Bank Govandi

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 SRCB0KNS005:

• 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 KURLA N S BANK GOVANDI is still linked to IFSC SRCB0KNS005.

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 SRCB0KNS005

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 – KURLA N S BANK GOVANDI is still mapped to IFSC SRCB0KNS005. 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 SRCB0KNS005 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kurla N S Bank Govandi branch

Once you have an account at Saraswat Cooperative Bank Limited – KURLA N S BANK GOVANDI, the IFSC SRCB0KNS005 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 Kurla N S Bank Govandi 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 SRCB0KNS005

Digital banking channels

Most day-to-day work that customers used to do at the Kurla N S Bank Govandi 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 SRCB0KNS005 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.

Reaching the branch

The Kurla N S Bank Govandi branch sits at SHILPSHREE APPARTMENT, OPP. PATAVARDHAN HIGH SCHOOL, GOVANDI STATION, MUMBAI 400 088. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-25580786 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 SRCB0KNS005 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 – KURLA N S BANK GOVANDI:

• The IFSC is exactly SRCB0KNS005 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 KURLA N S BANK GOVANDI 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.

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 Kurla N S Bank Govandi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0KNS005, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0KNS005 for Saraswat Cooperative Bank Limited – KURLA N S BANK GOVANDI, 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

Summary

The IFSC code SRCB0KNS005 belongs to Saraswat Cooperative Bank Limited's KURLA N S BANK GOVANDI branch, located at SHILPSHREE APPARTMENT, OPP. PATAVARDHAN HIGH SCHOOL, GOVANDI STATION, MUMBAI… 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.