Below are the complete branch details for Saraswat Cooperative Bank Limited, RTGS-HO branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0NGRTGS. 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 SRCB0NGRTGS for Saraswat Cooperative Bank Limited – RTGS-HO — 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 RTGS-HO branch, the IFSC SRCB0NGRTGS breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and NGRTGS identifies this particular branch.
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 RTGS-HO branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SRCB0NGRTGS for all electronic settlement.
About the RTGS-HO branch
The RTGS-HO branch of Saraswat Cooperative Bank Limited is situated at 19/21, BOMBAY MUTUAL CHAMBERS, AMBALAL DOSHI MARG, FORT, MUMBAI 400001. 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 SRCB0NGRTGS is used.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | RTGS-HO |
| IFSC Code | SRCB0NGRTGS |
| MICR Code | Refer to cheque leaf |
| Branch Address | 19/21, BOMBAY MUTUAL CHAMBERS, AMBALAL DOSHI MARG, FORT, MUMBAI 400001 |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 49103434 |
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 RTGS-HO branch came to be assigned the code SRCB0NGRTGS.
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 SRCB0NGRTGS, money simply cannot be routed to the RTGS-HO branch electronically.
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 SRCB0NGRTGS and the account number together uniquely identify the RTGS-HO branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SRCB0NGRTGS
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 SRCB0NGRTGS across all three.
NEFT to Saraswat Cooperative Bank Limited, RTGS-HO using IFSC SRCB0NGRTGS
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 SRCB0NGRTGS, and confirm that the system picks up Saraswat Cooperative Bank Limited – RTGS-HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SRCB0NGRTGS
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 – RTGS-HO, ensure your bank's portal accepts IFSC SRCB0NGRTGS while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Saraswat Cooperative Bank Limited – RTGS-HO, use IMPS. With IFSC SRCB0NGRTGS 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 SRCB0NGRTGS for Saraswat Cooperative Bank Limited – RTGS-HO, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SRCB0NGRTGS | Yes – SRCB0NGRTGS | Yes – SRCB0NGRTGS |
For most retail customers crediting the RTGS-HO 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 RTGS-HO branch, the IFSC SRCB0NGRTGS 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.
Products and account variants supported
Every account opened at the RTGS-HO branch is mapped to IFSC SRCB0NGRTGS 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 SRCB0NGRTGS.
Products and services
Customers walking into the RTGS-HO 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 SRCB0NGRTGS
Online banking and IFSC SRCB0NGRTGS
Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RTGS-HO 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 SRCB0NGRTGS 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.
Reaching the branch
The RTGS-HO branch sits at 19/21, BOMBAY MUTUAL CHAMBERS, AMBALAL DOSHI MARG, FORT, MUMBAI 400001. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-49103434 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 SRCB0NGRTGS and your account number.
Common mistakes to avoid when using IFSC SRCB0NGRTGS
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 – RTGS-HO, 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:
SRCB0NGRTGS. - 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.
Working hours
Branch counters at RTGS-HO 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 SRCB0NGRTGS continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SRCB0NGRTGS for Saraswat Cooperative Bank Limited – RTGS-HO, 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.
Branch address & contact
Saraswat Cooperative Bank LimitedRTGS-HO Branch
19/21, BOMBAY MUTUAL CHAMBERS, AMBALAL DOSHI MARG, FORT, MUMBAI 400001
Mumbai, Maharashtra
Phone: 22-49103434
IFSC: SRCB0NGRTGS
Frequently asked questions
Is IFSC SRCB0NGRTGS valid for NEFT and RTGS?
Yes. IFSC SRCB0NGRTGS is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Saraswat Cooperative Bank Limited RTGS-HO as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0NGRTGS, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC SRCB0NGRTGS for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0NGRTGS to send funds instantly.
Is IFSC SRCB0NGRTGS the same for all accounts at RTGS-HO branch?
Yes. The IFSC SRCB0NGRTGS is shared by every account held at Saraswat Cooperative Bank Limited's RTGS-HO branch. Only the account number changes from customer to customer.
Does Saraswat Cooperative Bank Limited RTGS-HO branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-49103434 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the RTGS-HO branch but serve different purposes.
Final notes
To recap: SRCB0NGRTGS is the IFSC code of Saraswat Cooperative Bank Limited, RTGS-HO 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.
