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

Below are the complete branch details for Saraswat Cooperative Bank Limited, KURLA N S BANK SAKINAKA branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0KNS010. 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 SRCB0KNS010 for Saraswat Cooperative Bank Limited – KURLA N S BANK SAKINAKA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Saraswat Cooperative Bank Limited's KURLA N S BANK SAKINAKA branch, the IFSC SRCB0KNS010 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and KNS010 identifies this particular branch.

Branch details at a glance

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 Kurla N S Bank Sakinaka branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SRCB0KNS010 for all electronic settlement.

About this branch

The branch is located at SAGAR PLAZA, NEAR SAKINAKA JUNCTION, KURLA ANDHERI ROAD, SAKINAKA, MUMBAI 400 072. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Saraswat Cooperative Bank Limited. The IFSC SRCB0KNS010 is used to identify this branch on the RBI payments network.

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 KURLA N S BANK SAKINAKA of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0KNS010 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 SRCB0KNS010 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 SRCB0KNS010

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 SRCB0KNS010 across all three.

NEFT to Saraswat Cooperative Bank Limited, KURLA N S BANK SAKINAKA using IFSC SRCB0KNS010

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 SRCB0KNS010, and confirm that the system picks up Saraswat Cooperative Bank Limited – KURLA N S BANK SAKINAKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KURLA N S BANK SAKINAKA

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 SAKINAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0KNS010 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited KURLA N S BANK SAKINAKA (IFSC SRCB0KNS010)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0KNS010 in your mobile or internet banking app, and the money is credited to the KURLA N S BANK SAKINAKA branch account within seconds.

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

All three modes accept the IFSC SRCB0KNS010 for Saraswat Cooperative Bank Limited – KURLA N S BANK SAKINAKA, 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 Kurla N S Bank Sakinaka 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 SRCB0KNS010

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 SAKINAKA is still mapped to IFSC SRCB0KNS010. 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 SRCB0KNS010 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kurla N S Bank Sakinaka branch is mapped to IFSC SRCB0KNS010 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 SRCB0KNS010.

Banking services available

The Kurla N S Bank Sakinaka branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-28500173.

• 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 SRCB0KNS010

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 SRCB0KNS010 and the account number together uniquely identify the Kurla N S Bank Sakinaka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SRCB0KNS010

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KURLA N S BANK SAKINAKA 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 SRCB0KNS010 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.

Common mistakes to avoid when using IFSC SRCB0KNS010

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 – KURLA N S BANK SAKINAKA, 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: SRCB0KNS010.
• 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 Kurla N S Bank Sakinaka branch

The branch is located at SAGAR PLAZA, NEAR SAKINAKA JUNCTION, KURLA ANDHERI ROAD, SAKINAKA, MUMBAI 400 072, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Kurla N S Bank Sakinaka branch” — the verified location pin for IFSC SRCB0KNS010 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28500173 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 SRCB0KNS010 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0KNS010 for Saraswat Cooperative Bank Limited – KURLA N S BANK SAKINAKA, 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.

Working hours

Branch counters at Kurla N S Bank Sakinaka 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 SRCB0KNS010 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0KNS010 belongs to Saraswat Cooperative Bank Limited's KURLA N S BANK SAKINAKA branch, located at SAGAR PLAZA, NEAR SAKINAKA JUNCTION, KURLA ANDHERI ROAD, SAKINAKA, MUMBAI 400… 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.