IFSC Code of Saraswat Cooperative Bank Limited, Zone -- Viii Carnac Bunder Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, ZONE -- VIII CARNAC BUNDER branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000141. 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 SRCB0000141 for Saraswat Cooperative Bank Limited – ZONE -- VIII CARNAC BUNDER — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SRCB0000141 is the IFSC of Saraswat Cooperative Bank Limited's ZONE -- VIII CARNAC BUNDER branch. The format is fixed: SRCB = bank code, 0 = reserved, 000141 = branch identifier.

Branch details at a glance

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Zone -- Viii Carnac Bunder branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SRCB0000141.

Zone -- Viii Carnac Bunder branch overview

Located at 101/102, VYAPAR BHAVAN, 1ST FLOOR, 49, P.DMELLO ROAD. MUMBAI - 400 009, the Zone -- Viii Carnac Bunder branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000141 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 ZONE -- VIII CARNAC BUNDER branch came to be assigned the code SRCB0000141.

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 SRCB0000141, money simply cannot be routed to the ZONE -- VIII CARNAC BUNDER branch electronically.

How to transfer money using IFSC SRCB0000141

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 SRCB0000141 across all three.

How to use IFSC SRCB0000141 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's ZONE -- VIII CARNAC BUNDER branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SRCB0000141.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as ZONE -- VIII CARNAC BUNDER.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ZONE -- VIII CARNAC BUNDER

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's ZONE -- VIII CARNAC BUNDER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000141 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Saraswat Cooperative Bank Limited – ZONE -- VIII CARNAC BUNDER, use IMPS. With IFSC SRCB0000141 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Zone -- Viii Carnac Bunder

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 SRCB0000141:

• 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 ZONE -- VIII CARNAC BUNDER is still linked to IFSC SRCB0000141.

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 ZONE -- VIII CARNAC BUNDER branch, the IFSC SRCB0000141 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 Zone -- Viii Carnac Bunder branch is mapped to IFSC SRCB0000141 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 SRCB0000141.

Products and services

Customers walking into the Zone -- Viii Carnac Bunder 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 SRCB0000141

MICR & cheque-truncation details

Cheques drawn on the Zone -- Viii Carnac Bunder branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000141 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Zone -- Viii Carnac Bunder 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 SRCB0000141 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.

Common mistakes to avoid when using IFSC SRCB0000141

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 – ZONE -- VIII CARNAC BUNDER, 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: SRCB0000141.
• 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 Zone -- Viii Carnac Bunder branch sits at 101/102, VYAPAR BHAVAN, 1ST FLOOR, 49, P.DMELLO ROAD. MUMBAI - 400 009. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-24671297 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 SRCB0000141 and your account number.

Verifying IFSC SRCB0000141 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 SRCB0000141 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-24671297.
• 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 Zone -- Viii Carnac Bunder branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000141, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000141 belongs to Saraswat Cooperative Bank Limited's ZONE -- VIII CARNAC BUNDER branch, located at 101/102, VYAPAR BHAVAN, 1ST FLOOR, 49, P.DMELLO ROAD. MUMBAI - 400 009 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.