IFSC Code of Saraswat Cooperative Bank Limited, New Maneklal Estate Branch,Ghatkopar West Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SRCB0000444 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.

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 – NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST is SRCB0000444. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000444 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the New Maneklal Estate Branch,Ghatkopar West 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, SRCB0000444.

New Maneklal Estate Branch,Ghatkopar West branch overview

Located at 1,SILVER HARMONY,NEW MANEKLAL ESTATE BRANCH,OFF LBS MARG,GHATKOPAR(WEST)-400086, the New Maneklal Estate Branch,Ghatkopar West branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000444 is required for all interbank electronic transfers routed through this branch.

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 NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST branch came to be assigned the code SRCB0000444.

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 SRCB0000444, money simply cannot be routed to the NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST branch electronically.

How to transfer money using IFSC SRCB0000444

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 SRCB0000444 across all three.

NEFT to Saraswat Cooperative Bank Limited, NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST using IFSC SRCB0000444

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 SRCB0000444, and confirm that the system picks up Saraswat Cooperative Bank Limited – NEW MANEKLAL ESTATE BRANCH,GHATKOPAR 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 NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000444 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST (IFSC SRCB0000444)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000444 in your mobile or internet banking app, and the money is credited to the NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to New Maneklal Estate Branch,Ghatkopar West

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 SRCB0000444:

• 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 NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST is still linked to IFSC SRCB0000444.

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 SRCB0000444

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 – NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST is still mapped to IFSC SRCB0000444. 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 SRCB0000444 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the New Maneklal Estate Branch,Ghatkopar West branch is mapped to IFSC SRCB0000444 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 SRCB0000444.

Products and services

Customers walking into the New Maneklal Estate Branch,Ghatkopar 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 SRCB0000444

MICR & cheque-truncation details

Cheques drawn on the New Maneklal Estate Branch,Ghatkopar West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000444 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 New Maneklal Estate Branch,Ghatkopar 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 SRCB0000444 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.

Common mistakes to avoid when using IFSC SRCB0000444

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 – NEW MANEKLAL ESTATE BRANCH,GHATKOPAR 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: SRCB0000444.
• 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 New Maneklal Estate Branch,Ghatkopar West branch sits at 1,SILVER HARMONY,NEW MANEKLAL ESTATE BRANCH,OFF LBS MARG,GHATKOPAR(WEST)-400086. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-25166663 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 SRCB0000444 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000444 for Saraswat Cooperative Bank Limited – NEW MANEKLAL ESTATE BRANCH,GHATKOPAR 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 New Maneklal Estate Branch,Ghatkopar 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 SRCB0000444 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000444 belongs to Saraswat Cooperative Bank Limited's NEW MANEKLAL ESTATE BRANCH,GHATKOPAR WEST branch, located at 1,SILVER HARMONY,NEW MANEKLAL ESTATE BRANCH,OFF LBS MARG,GHATKOPAR(WEST)-400086 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.