IFSC Code of Saraswat Cooperative Bank Limited, Nancy Colony Borivali East Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's NANCY COLONY BORIVALI EAST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SRCB0000459 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, SRCB0000459 is the IFSC of Saraswat Cooperative Bank Limited's NANCY COLONY BORIVALI EAST branch. The format is fixed: SRCB = bank code, 0 = reserved, 000459 = branch identifier.

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Nancy Colony Borivali East branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SRCB0000459.

Branch details at a glance

About this branch

The branch is located at KSHIPRA CHS LTD., GREEN VIEW COMPLEX, NEXT TO S.T.DEPOT, NANCY COLONY, BORIVALI (EAST, MUMBAI- 400066. 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 SRCB0000459 is used to identify this branch on the RBI payments network.

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 NANCY COLONY BORIVALI EAST branch came to be assigned the code SRCB0000459.

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 SRCB0000459, money simply cannot be routed to the NANCY COLONY BORIVALI EAST branch electronically.

Account types you can open at the Nancy Colony Borivali East branch

Once you have an account at Saraswat Cooperative Bank Limited – NANCY COLONY BORIVALI EAST, the IFSC SRCB0000459 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 Nancy Colony Borivali East 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 SRCB0000459

How to transfer money using IFSC SRCB0000459

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 SRCB0000459 across all three.

How to use IFSC SRCB0000459 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's NANCY COLONY BORIVALI EAST 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 SRCB0000459.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as NANCY COLONY BORIVALI EAST.
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 NANCY COLONY BORIVALI EAST

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's NANCY COLONY BORIVALI EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000459 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited NANCY COLONY BORIVALI EAST (IFSC SRCB0000459)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000459 in your mobile or internet banking app, and the money is credited to the NANCY COLONY BORIVALI EAST branch account within seconds.

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

All three modes accept the IFSC SRCB0000459 for Saraswat Cooperative Bank Limited – NANCY COLONY BORIVALI EAST, 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 Nancy Colony Borivali East 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 NANCY COLONY BORIVALI EAST branch, the IFSC SRCB0000459 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.

Digital banking channels

Most day-to-day work that customers used to do at the Nancy Colony Borivali East 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 SRCB0000459 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 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 SRCB0000459 and the account number together uniquely identify the Nancy Colony Borivali East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – NANCY COLONY BORIVALI EAST:

• The IFSC is exactly SRCB0000459 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 NANCY COLONY BORIVALI EAST 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 Nancy Colony Borivali East branch sits at KSHIPRA CHS LTD., GREEN VIEW COMPLEX, NEXT TO S.T.DEPOT, NANCY COLONY, BORIVALI (EAST, MUMBAI- 400066. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-28962006 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 SRCB0000459 and your account number.

Verifying IFSC SRCB0000459 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 SRCB0000459 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28962006.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nancy Colony Borivali East 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 SRCB0000459 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000459 is the IFSC code of Saraswat Cooperative Bank Limited, NANCY COLONY BORIVALI EAST 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.