IFSC Code of Saraswat Cooperative Bank Limited, SME Branch - Nariman Point Branch, Maharashtra

If you are searching for the IFSC code of Saraswat Cooperative Bank Limited, SME BRANCH - NARIMAN POINT branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SRCB0000356. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SME BRANCH - NARIMAN POINT branch, and detailed step-by-step guides for using the IFSC SRCB0000356 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – SME BRANCH - NARIMAN POINT is SRCB0000356. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000356 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The SME Branch - Nariman Point branch — IFSC SRCB0000356 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at MITTAL COURT, A WING, 1ST FLOOR, OPP VIDHAN BHAVAN, NARIMAN POINT, MUMBAI - 400 021. 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 SRCB0000356 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 SME BRANCH - NARIMAN POINT of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000356 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 SRCB0000356 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SRCB0000356

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 SRCB0000356 across all three.

NEFT to Saraswat Cooperative Bank Limited, SME BRANCH - NARIMAN POINT using IFSC SRCB0000356

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 SRCB0000356, and confirm that the system picks up Saraswat Cooperative Bank Limited – SME BRANCH - NARIMAN POINT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SME BRANCH - NARIMAN POINT

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's SME BRANCH - NARIMAN POINT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000356 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited SME BRANCH - NARIMAN POINT (IFSC SRCB0000356)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000356 in your mobile or internet banking app, and the money is credited to the SME BRANCH - NARIMAN POINT branch account within seconds.

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

All three modes accept the IFSC SRCB0000356 for Saraswat Cooperative Bank Limited – SME BRANCH - NARIMAN POINT, 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 SME Branch - Nariman Point 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 SME BRANCH - NARIMAN POINT branch, the IFSC SRCB0000356 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.

Account types you can open at the SME Branch - Nariman Point branch

Once you have an account at Saraswat Cooperative Bank Limited – SME BRANCH - NARIMAN POINT, the IFSC SRCB0000356 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.

Banking services available

The SME Branch - Nariman Point branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-43682000.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC SRCB0000356

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 SRCB0000356 and the account number together uniquely identify the SME Branch - Nariman Point branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SRCB0000356

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SME BRANCH - NARIMAN POINT 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 SRCB0000356 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 – SME BRANCH - NARIMAN POINT:

• The IFSC is exactly SRCB0000356 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 SME BRANCH - NARIMAN POINT 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.

How to reach the SME Branch - Nariman Point branch

The branch is located at MITTAL COURT, A WING, 1ST FLOOR, OPP VIDHAN BHAVAN, NARIMAN POINT, MUMBAI - 400 021, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited SME Branch - Nariman Point branch” — the verified location pin for IFSC SRCB0000356 should appear at the top of the results.
2. Confirm the branch is open by calling 22-43682000 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SRCB0000356 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000356 for Saraswat Cooperative Bank Limited – SME BRANCH - NARIMAN POINT, 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 SME Branch - Nariman Point 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 SRCB0000356 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000356 belongs to Saraswat Cooperative Bank Limited's SME BRANCH - NARIMAN POINT branch, located at MITTAL COURT, A WING, 1ST FLOOR, OPP VIDHAN BHAVAN, NARIMAN POINT, MUMBAI -… 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.