IFSC Code of Saraswat Cooperative Bank Limited, Nicbl-Zone Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, NICBL-ZONE branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000528. 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 SRCB0000528 for Saraswat Cooperative Bank Limited – NICBL-ZONE — 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 NICBL-ZONE branch, the IFSC SRCB0000528 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and 000528 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 Nicbl-Zone branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SRCB0000528 for all electronic settlement.

Nicbl-Zone branch overview

Located at NEW INDIA BHAVAN,A.V.NAGWEKAR MARG,PRABHADEVI,MUMBAI-400025, the Nicbl-Zone branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000528 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 NICBL-ZONE branch came to be assigned the code SRCB0000528.

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 SRCB0000528, money simply cannot be routed to the NICBL-ZONE branch electronically.

How to transfer money using IFSC SRCB0000528

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 SRCB0000528 across all three.

NEFT to Saraswat Cooperative Bank Limited, NICBL-ZONE using IFSC SRCB0000528

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 SRCB0000528, and confirm that the system picks up Saraswat Cooperative Bank Limited – NICBL-ZONE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SRCB0000528

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Saraswat Cooperative Bank Limited – NICBL-ZONE, ensure your bank's portal accepts IFSC SRCB0000528 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Saraswat Cooperative Bank Limited NICBL-ZONE (IFSC SRCB0000528)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000528 in your mobile or internet banking app, and the money is credited to the NICBL-ZONE branch account within seconds.

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

All three modes accept the IFSC SRCB0000528 for Saraswat Cooperative Bank Limited – NICBL-ZONE, 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 Nicbl-Zone 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 SRCB0000528

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 – NICBL-ZONE is still mapped to IFSC SRCB0000528. 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 SRCB0000528 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nicbl-Zone branch is mapped to IFSC SRCB0000528 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 SRCB0000528.

Products and services

Customers walking into the Nicbl-Zone 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 SRCB0000528

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 SRCB0000528 and the account number together uniquely identify the Nicbl-Zone branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SRCB0000528

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NICBL-ZONE 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 SRCB0000528 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.

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 – NICBL-ZONE:

• The IFSC is exactly SRCB0000528 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 NICBL-ZONE 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 Nicbl-Zone branch sits at NEW INDIA BHAVAN,A.V.NAGWEKAR MARG,PRABHADEVI,MUMBAI-400025. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 9821650485 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 SRCB0000528 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000528 for Saraswat Cooperative Bank Limited – NICBL-ZONE, 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 Nicbl-Zone 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 SRCB0000528 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000528 is the IFSC code of Saraswat Cooperative Bank Limited, NICBL-ZONE 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.