If you are searching for the IFSC code of Saraswat Cooperative Bank Limited, SME PUNE branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SRCB0000283. 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 PUNE branch, and detailed step-by-step guides for using the IFSC SRCB0000283 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.
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, SRCB0000283 is the IFSC of Saraswat Cooperative Bank Limited's SME PUNE branch. The format is fixed: SRCB = bank code, 0 = reserved, 000283 = branch identifier.
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 SME Pune branch in Pune, Maharashtra is part of this network and uses the IFSC code SRCB0000283 for all electronic settlement.
About this branch
The branch is located at C/2, KOHINOOR ESTATE CO-OP. HSG. SOCIETY, MULA ROAD, SANGAM WADI, NEAR KAMALNAYAN BAJAJ GARDEN, PUNE- 411003.. It serves the Pune 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 SRCB0000283 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | SME Pune |
| IFSC Code | SRCB0000283 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C/2, KOHINOOR ESTATE CO-OP. HSG. SOCIETY, MULA ROAD, SANGAM WADI, NEAR KAMALNAYAN BAJAJ GARDEN, PUNE- 411003. |
| City | Pune |
| District | Pune |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 41422201 |
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 SME PUNE branch came to be assigned the code SRCB0000283.
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 SRCB0000283, money simply cannot be routed to the SME PUNE branch electronically.
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 SRCB0000283 and the account number together uniquely identify the SME Pune branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC SRCB0000283
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 SRCB0000283 across all three.
NEFT to Saraswat Cooperative Bank Limited, SME PUNE using IFSC SRCB0000283
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 SRCB0000283, and confirm that the system picks up Saraswat Cooperative Bank Limited – SME PUNE. 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 PUNE
If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's SME PUNE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000283 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 – SME PUNE, use IMPS. With IFSC SRCB0000283 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 SME Pune
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 SRCB0000283:
- 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 SME PUNE is still linked to IFSC SRCB0000283.
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.
UPI payments and IFSC SRCB0000283
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Saraswat Cooperative Bank Limited – SME PUNE is still mapped to IFSC SRCB0000283. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SRCB0000283 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the SME Pune branch is mapped to IFSC SRCB0000283 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 SRCB0000283.
Banking services available
The SME Pune branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-41422201.
- 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 SRCB0000283
Digital banking channels
Most day-to-day work that customers used to do at the SME Pune 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 SRCB0000283 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.
How to reach the SME Pune branch
The branch is located at C/2, KOHINOOR ESTATE CO-OP. HSG. SOCIETY, MULA ROAD, SANGAM WADI, NEAR KAMALNAYAN BAJAJ GARDEN, PUNE- 411003., which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited SME Pune branch” — the verified location pin for IFSC SRCB0000283 should appear at the top of the results.
- Confirm the branch is open by calling 20-41422201 before stepping out, especially around public holidays.
- 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 SRCB0000283 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 – SME PUNE:
- The IFSC is exactly SRCB0000283 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 PUNE 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 SME Pune branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000283, however, work 24x7.
Verifying IFSC SRCB0000283 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 SRCB0000283 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-41422201.
- Visiting the bank's official branch locator page.
Branch address & contact
Saraswat Cooperative Bank LimitedSME Pune Branch
C/2, KOHINOOR ESTATE CO-OP. HSG. SOCIETY, MULA ROAD, SANGAM WADI, NEAR KAMALNAYAN BAJAJ GARDEN, PUNE- 411003.
Pune, Maharashtra
Phone: 20-41422201
IFSC: SRCB0000283
Frequently asked questions
Does Saraswat Cooperative Bank Limited SME Pune branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 20-41422201 to confirm.
Can I use IFSC SRCB0000283 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000283 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the SME Pune branch but serve different purposes.
How quickly will an NEFT transfer using SRCB0000283 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – SME Pune reflect within 30 minutes.
Where is Saraswat Cooperative Bank Limited SME Pune branch located?
Saraswat Cooperative Bank Limited's SME Pune branch is located at C/2, KOHINOOR ESTATE CO-OP. HSG. SOCIETY, MULA ROAD, SANGAM WADI, NEAR KAMALNAYAN BAJAJ GARDEN, PUNE- 411003., Pune, Maharashtra.
Is IFSC SRCB0000283 the same for all accounts at SME Pune branch?
Yes. The IFSC SRCB0000283 is shared by every account held at Saraswat Cooperative Bank Limited's SME Pune branch. Only the account number changes from customer to customer.
What is the phone number of Saraswat Cooperative Bank Limited SME Pune branch?
You can reach the branch at 20-41422201 during regular banking hours.
What is the IFSC code of Saraswat Cooperative Bank Limited SME Pune branch?
The IFSC code of Saraswat Cooperative Bank Limited, SME Pune branch is SRCB0000283. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code SRCB0000283 belongs to Saraswat Cooperative Bank Limited's SME PUNE branch, located at C/2, KOHINOOR ESTATE CO-OP. HSG. SOCIETY, MULA ROAD, SANGAM WADI, NEAR… 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.
