IFSC Code of Saraswat Cooperative Bank Limited, Nallasopara West Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, NALLASOPARA WEST branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000492. 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 SRCB0000492 for Saraswat Cooperative Bank Limited – NALLASOPARA WEST — 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 – NALLASOPARA WEST is SRCB0000492. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000492 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Nallasopara West branch — IFSC SRCB0000492 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Nallasopara West branch

The Nallasopara West branch of Saraswat Cooperative Bank Limited is situated at SHOP NO. 1 TO 6,GROUND FLOOR,KRUPASINDHU APARTMENT,SURVEY NO.106,PLOT NO.A,PATANKAR PARK ROAD,NALLASOPARA(WEST),VASAI,DISTRICT-PALGHAR,PIN-401203. 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 SRCB0000492 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 NALLASOPARA WEST of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000492 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 SRCB0000492 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 SRCB0000492

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 SRCB0000492 across all three.

NEFT to Saraswat Cooperative Bank Limited, NALLASOPARA WEST using IFSC SRCB0000492

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 SRCB0000492, and confirm that the system picks up Saraswat Cooperative Bank Limited – NALLASOPARA 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 NALLASOPARA WEST

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's NALLASOPARA WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000492 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 – NALLASOPARA WEST, use IMPS. With IFSC SRCB0000492 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC SRCB0000492 for Saraswat Cooperative Bank Limited – NALLASOPARA 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 Nallasopara 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.

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 NALLASOPARA WEST branch, the IFSC SRCB0000492 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.

Account types you can open at the Nallasopara West branch

Once you have an account at Saraswat Cooperative Bank Limited – NALLASOPARA WEST, the IFSC SRCB0000492 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 Nallasopara 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 SRCB0000492

MICR & cheque-truncation details

Cheques drawn on the Nallasopara West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000492 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Nallasopara West 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 SRCB0000492 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.

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 – NALLASOPARA WEST:

• The IFSC is exactly SRCB0000492 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 NALLASOPARA WEST 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.

Reaching the branch

The Nallasopara West branch sits at SHOP NO. 1 TO 6,GROUND FLOOR,KRUPASINDHU APARTMENT,SURVEY NO.106,PLOT NO.A,PATANKAR PARK ROAD,NALLASOPARA(WEST),VASAI,DISTRICT-PALGHAR,PIN-401203. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 8657035107 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 SRCB0000492 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000492 for Saraswat Cooperative Bank Limited – NALLASOPARA 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.

Working hours

Branch counters at Nallasopara West 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 SRCB0000492 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000492 belongs to Saraswat Cooperative Bank Limited's NALLASOPARA WEST branch, located at SHOP NO. 1 TO 6,GROUND FLOOR,KRUPASINDHU APARTMENT,SURVEY NO.106,PLOT… 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.