IFSC Code of Saraswat Cooperative Bank Limited, Portuguese Church Dadar West Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's PORTUGUESE CHURCH DADAR WEST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SRCB0000471 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, SRCB0000471 is the IFSC of Saraswat Cooperative Bank Limited's PORTUGUESE CHURCH DADAR WEST branch. The format is fixed: SRCB = bank code, 0 = reserved, 000471 = branch identifier.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Portuguese Church Dadar West branch — IFSC SRCB0000471 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About this branch

The branch is located at IES NABAR GURUJI BHAVAN, GROUND FLOOR, PLOT NO 274, TPS IV, S K BOLE ROAD, OPP PORTUGUESE CHURCH, DADAR WEST MUMBAI 400 028. 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 SRCB0000471 is used to identify this branch on the RBI payments network.

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 PORTUGUESE CHURCH DADAR WEST of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000471 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 SRCB0000471 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Portuguese Church Dadar West branch

Once you have an account at Saraswat Cooperative Bank Limited – PORTUGUESE CHURCH DADAR WEST, the IFSC SRCB0000471 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 Portuguese Church Dadar 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 SRCB0000471

How to transfer money using IFSC SRCB0000471

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 SRCB0000471 across all three.

NEFT to Saraswat Cooperative Bank Limited, PORTUGUESE CHURCH DADAR WEST using IFSC SRCB0000471

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 SRCB0000471, and confirm that the system picks up Saraswat Cooperative Bank Limited – PORTUGUESE CHURCH DADAR 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 PORTUGUESE CHURCH DADAR WEST

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's PORTUGUESE CHURCH DADAR WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000471 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited PORTUGUESE CHURCH DADAR WEST (IFSC SRCB0000471)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000471 in your mobile or internet banking app, and the money is credited to the PORTUGUESE CHURCH DADAR WEST branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Portuguese Church Dadar 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 SRCB0000471:

• 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 PORTUGUESE CHURCH DADAR WEST is still linked to IFSC SRCB0000471.

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.

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 PORTUGUESE CHURCH DADAR WEST branch, the IFSC SRCB0000471 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 Portuguese Church Dadar 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 SRCB0000471 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 SRCB0000471 and the account number together uniquely identify the Portuguese Church Dadar West 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 – PORTUGUESE CHURCH DADAR WEST:

• The IFSC is exactly SRCB0000471 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 PORTUGUESE CHURCH DADAR 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 Portuguese Church Dadar West branch sits at IES NABAR GURUJI BHAVAN, GROUND FLOOR, PLOT NO 274, TPS IV, S K BOLE ROAD, OPP PORTUGUESE CHURCH, DADAR WEST MUMBAI 400 028. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-8657020405 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 SRCB0000471 and your account number.

Verifying IFSC SRCB0000471 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 SRCB0000471 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-8657020405.
• Visiting the bank's official branch locator page.

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 Portuguese Church Dadar West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000471, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000471 is the IFSC code of Saraswat Cooperative Bank Limited, PORTUGUESE CHURCH DADAR 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.