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

Below are the complete branch details for Saraswat Cooperative Bank Limited, MOSHI branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000480. 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 SRCB0000480 for Saraswat Cooperative Bank Limited – MOSHI — 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, SRCB0000480 is the IFSC of Saraswat Cooperative Bank Limited's MOSHI branch. The format is fixed: SRCB = bank code, 0 = reserved, 000480 = branch identifier.

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 Moshi branch — IFSC SRCB0000480 — extends the bank's services to customers in and around Pune, Maharashtra.

Moshi branch overview

Located at SHOP NOS 17 18 AND 23 PRASANNA GOLDFIELDS APARTMENT CONDOMINIUM COMMERCIAL PLOT NO 1 SECTION NO 1 MOSHI HIGH STREET MOSHI PUNE 411070, the Moshi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0000480 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 MOSHI branch came to be assigned the code SRCB0000480.

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 SRCB0000480, money simply cannot be routed to the MOSHI branch electronically.

How to transfer money using IFSC SRCB0000480

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 SRCB0000480 across all three.

How to use IFSC SRCB0000480 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's MOSHI 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 SRCB0000480.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as MOSHI.
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 SRCB0000480

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 – MOSHI, ensure your bank's portal accepts IFSC SRCB0000480 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 – MOSHI, use IMPS. With IFSC SRCB0000480 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 SRCB0000480 for Saraswat Cooperative Bank Limited – MOSHI, 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 Moshi 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 MOSHI branch, the IFSC SRCB0000480 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 Moshi branch

Once you have an account at Saraswat Cooperative Bank Limited – MOSHI, the IFSC SRCB0000480 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 Moshi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-8657560846.

• 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 SRCB0000480

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 SRCB0000480 and the account number together uniquely identify the Moshi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SRCB0000480

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MOSHI 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 SRCB0000480 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 – MOSHI:

• The IFSC is exactly SRCB0000480 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 MOSHI 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 Moshi branch

The branch is located at SHOP NOS 17 18 AND 23 PRASANNA GOLDFIELDS APARTMENT CONDOMINIUM COMMERCIAL PLOT NO 1 SECTION NO 1 MOSHI HIGH STREET MOSHI PUNE 411070, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Moshi branch” — the verified location pin for IFSC SRCB0000480 should appear at the top of the results.
2. Confirm the branch is open by calling 20-8657560846 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 SRCB0000480 and your account number.

Verifying IFSC SRCB0000480 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 SRCB0000480 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-8657560846.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Moshi 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 SRCB0000480 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SRCB0000480 belongs to Saraswat Cooperative Bank Limited's MOSHI branch, located at SHOP NOS 17 18 AND 23 PRASANNA GOLDFIELDS APARTMENT CONDOMINIUM COMMERCIAL… in PUNE, 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.