Below are the complete branch details for Saraswat Cooperative Bank Limited, THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0CNS016. 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 SRCB0CNS016 for Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH is SRCB0CNS016. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CNS016 map to this branch in MUMBAI, MAHARASHTRA.
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 The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SRCB0CNS016 for all electronic settlement.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch |
| IFSC Code | SRCB0CNS016 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GHATKOPAR DAKSHANTA CO OP HSG.SOC LTD.RAMABAI NAGAR,AMINITY BLDG,RAMABAI NAGAR,GHATKOPAR EAST MUMBAI 400075 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 8655556456 |
About this branch
The branch is located at GHATKOPAR DAKSHANTA CO OP HSG.SOC LTD.RAMABAI NAGAR,AMINITY BLDG,RAMABAI NAGAR,GHATKOPAR EAST MUMBAI 400075. 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 SRCB0CNS016 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 THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0CNS016 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 SRCB0CNS016 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch is mapped to IFSC SRCB0CNS016 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 SRCB0CNS016.
Banking services available
The The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8655556456.
- 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 SRCB0CNS016
How to transfer money using IFSC SRCB0CNS016
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 SRCB0CNS016 across all three.
NEFT to Saraswat Cooperative Bank Limited, THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH using IFSC SRCB0CNS016
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 SRCB0CNS016, and confirm that the system picks up Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SRCB0CNS016
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 – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH, ensure your bank's portal accepts IFSC SRCB0CNS016 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Saraswat Cooperative Bank Limited THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH (IFSC SRCB0CNS016)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0CNS016 in your mobile or internet banking app, and the money is credited to the THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SRCB0CNS016 for Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH, 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 – SRCB0CNS016 | Yes – SRCB0CNS016 | Yes – SRCB0CNS016 |
For most retail customers crediting the The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch 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 THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH branch, the IFSC SRCB0CNS016 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 The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch 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 SRCB0CNS016 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 & cheque-truncation details
Cheques drawn on the The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0CNS016 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC SRCB0CNS016
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 – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH, 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:
SRCB0CNS016. - 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 The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch sits at GHATKOPAR DAKSHANTA CO OP HSG.SOC LTD.RAMABAI NAGAR,AMINITY BLDG,RAMABAI NAGAR,GHATKOPAR EAST MUMBAI 400075. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-8655556456 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 SRCB0CNS016 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SRCB0CNS016 for Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH, 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 The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch 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 SRCB0CNS016 continue to work without interruption.
Branch address & contact
Saraswat Cooperative Bank LimitedThe Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch Branch
GHATKOPAR DAKSHANTA CO OP HSG.SOC LTD.RAMABAI NAGAR,AMINITY BLDG,RAMABAI NAGAR,GHATKOPAR EAST MUMBAI 400075
Mumbai, Maharashtra
Phone: 22-8655556456
IFSC: SRCB0CNS016
Frequently asked questions
What is the phone number of Saraswat Cooperative Bank Limited The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch?
You can reach the branch at 22-8655556456 during regular banking hours.
Is IFSC SRCB0CNS016 valid for NEFT and RTGS?
Yes. IFSC SRCB0CNS016 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using SRCB0CNS016 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch reflect within 30 minutes.
How do I add Saraswat Cooperative Bank Limited The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0CNS016, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SRCB0CNS016 the same for all accounts at The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch?
Yes. The IFSC SRCB0CNS016 is shared by every account held at Saraswat Cooperative Bank Limited's The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch. Only the account number changes from customer to customer.
Can I use IFSC SRCB0CNS016 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0CNS016 to send funds instantly.
Where is Saraswat Cooperative Bank Limited The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch located?
Saraswat Cooperative Bank Limited's The Chembur Nagarik Sahakari Bank Ltd.Ghatkopar Branch branch is located at GHATKOPAR DAKSHANTA CO OP HSG.SOC LTD.RAMABAI NAGAR,AMINITY BLDG,RAMABAI NAGAR,GHATKOPAR EAST MUMBAI 400075, Mumbai, Maharashtra.
Final notes
To recap: SRCB0CNS016 is the IFSC code of Saraswat Cooperative Bank Limited, THE CHEMBUR NAGARIK SAHAKARI BANK LTD.GHATKOPAR BRANCH 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.
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