IFSC Code of Saraswat Cooperative Bank Limited, Link Road Malad West Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, LINK ROAD MALAD WEST branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000291. 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 SRCB0000291 for Saraswat Cooperative Bank Limited – LINK ROAD MALAD WEST — 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, SRCB0000291 is the IFSC of Saraswat Cooperative Bank Limited's LINK ROAD MALAD WEST branch. The format is fixed: SRCB = bank code, 0 = reserved, 000291 = branch identifier.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Link Road Malad West branch — IFSC SRCB0000291 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Link Road Malad West branch

The Link Road Malad West branch of Saraswat Cooperative Bank Limited is situated at PARIJA CO-OP. HOUSING SOCIETY LTD., OPP. CHINCHOLI BUNDER FIREBRIGADE, LINK ROAD, MALAD (W), MUMBAI 400 064.. 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 SRCB0000291 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 LINK ROAD MALAD WEST of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000291 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 SRCB0000291 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Link Road Malad West branch is mapped to IFSC SRCB0000291 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 SRCB0000291.

Products and services

Customers walking into the Link Road Malad West 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 SRCB0000291

How to transfer money using IFSC SRCB0000291

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 SRCB0000291 across all three.

NEFT to Saraswat Cooperative Bank Limited, LINK ROAD MALAD WEST using IFSC SRCB0000291

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 SRCB0000291, and confirm that the system picks up Saraswat Cooperative Bank Limited – LINK ROAD MALAD WEST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LINK ROAD MALAD WEST

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's LINK ROAD MALAD WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000291 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited LINK ROAD MALAD WEST (IFSC SRCB0000291)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000291 in your mobile or internet banking app, and the money is credited to the LINK ROAD MALAD WEST branch account within seconds.

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

All three modes accept the IFSC SRCB0000291 for Saraswat Cooperative Bank Limited – LINK ROAD MALAD WEST, 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 Link Road Malad West 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 SRCB0000291

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 – LINK ROAD MALAD WEST is still mapped to IFSC SRCB0000291. 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 SRCB0000291 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SRCB0000291

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LINK ROAD MALAD WEST 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 SRCB0000291 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.

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 SRCB0000291 and the account number together uniquely identify the Link Road Malad West branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SRCB0000291

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 – LINK ROAD MALAD WEST, 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: SRCB0000291.
• 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 Link Road Malad West branch sits at PARIJA CO-OP. HOUSING SOCIETY LTD., OPP. CHINCHOLI BUNDER FIREBRIGADE, LINK ROAD, MALAD (W), MUMBAI 400 064.. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-28798533 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 SRCB0000291 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000291 for Saraswat Cooperative Bank Limited – LINK ROAD MALAD WEST, 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 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 Link Road Malad West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000291, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000291 is the IFSC code of Saraswat Cooperative Bank Limited, LINK ROAD MALAD WEST 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.