IFSC Code of Saraswat Cooperative Bank Limited, Ghansoli Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's GHANSOLI branch in NAVI MUMBAI, MAHARASHTRA. The branch's IFSC code SRCB0000484 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.

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 – GHANSOLI is SRCB0000484. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000484 map to this branch in NAVI 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 Ghansoli branch in Navi Mumbai, Maharashtra is part of this network and uses the IFSC code SRCB0000484 for all electronic settlement.

About this branch

The branch is located at SHOP NO 13 14 15 SATYAM IMPERIAL HEIGHTS CHS LOTD PLOT NO 11 SECTOR NO 11 GHANSOLI NAVI MUMBAI 400701. It serves the Navi 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 SRCB0000484 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GHANSOLI of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000484 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 SRCB0000484 the same way you would treat your account number — verify it once and save it carefully for future use.

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 SRCB0000484 and the account number together uniquely identify the Ghansoli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SRCB0000484

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 SRCB0000484 across all three.

How to use IFSC SRCB0000484 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's GHANSOLI 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 SRCB0000484.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as GHANSOLI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SRCB0000484

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 – GHANSOLI, ensure your bank's portal accepts IFSC SRCB0000484 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 – GHANSOLI, use IMPS. With IFSC SRCB0000484 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 Ghansoli

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 SRCB0000484:

• 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 GHANSOLI is still linked to IFSC SRCB0000484.

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 GHANSOLI branch, the IFSC SRCB0000484 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 Ghansoli branch is mapped to IFSC SRCB0000484 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 SRCB0000484.

Products and services

Customers walking into the Ghansoli 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 SRCB0000484

Online banking and IFSC SRCB0000484

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHANSOLI 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 SRCB0000484 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.

How to reach the Ghansoli branch

The branch is located at SHOP NO 13 14 15 SATYAM IMPERIAL HEIGHTS CHS LOTD PLOT NO 11 SECTOR NO 11 GHANSOLI NAVI MUMBAI 400701, which puts it inside Navi Mumbai, the broader Navi Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Ghansoli branch” — the verified location pin for IFSC SRCB0000484 should appear at the top of the results.
2. Confirm the branch is open by calling 22-8657050276 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 SRCB0000484 and your account number.

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 – GHANSOLI:

• The IFSC is exactly SRCB0000484 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 GHANSOLI 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.

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 Ghansoli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000484, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000484 for Saraswat Cooperative Bank Limited – GHANSOLI, 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

Frequently asked questions

Final notes

To recap: SRCB0000484 is the IFSC code of Saraswat Cooperative Bank Limited, GHANSOLI branch, in NAVI 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.