IFSC Code of Saraswat Cooperative Bank Limited, Ichalkaranji, Dist. Sangli Branch, Maharashtra

Below are the complete branch details for Saraswat Cooperative Bank Limited, ICHALKARANJI, DIST. SANGLI branch, located in SANGLI-MIRAJ-KUPWAD, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SRCB0000172. 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 SRCB0000172 for Saraswat Cooperative Bank Limited – ICHALKARANJI, DIST. SANGLI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Saraswat Cooperative Bank Limited's ICHALKARANJI, DIST. SANGLI branch, the IFSC SRCB0000172 breaks down as follows: SRCB identifies the bank, 0 is the reserved character, and 000172 identifies this particular branch.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ichalkaranji, Dist. Sangli branch — IFSC SRCB0000172 — extends the bank's services to customers in and around Sangli-Miraj-Kupwad, Maharashtra.

Branch details at a glance

About this branch

The branch is located at MOHAN MARKET, OLD STATION ROAD, NEAR S. T. STAND, ICHALKARANJI. 416 115. It serves the Sangli-Miraj-Kupwad 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 SRCB0000172 is used to identify this branch on the RBI payments network.

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 ICHALKARANJI, DIST. SANGLI branch came to be assigned the code SRCB0000172.

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 SRCB0000172, money simply cannot be routed to the ICHALKARANJI, DIST. SANGLI branch electronically.

Account types you can open at the Ichalkaranji, Dist. Sangli branch

Once you have an account at Saraswat Cooperative Bank Limited – ICHALKARANJI, DIST. SANGLI, the IFSC SRCB0000172 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 Ichalkaranji, Dist. Sangli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 230-2432597.

• 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 SRCB0000172

How to transfer money using IFSC SRCB0000172

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 SRCB0000172 across all three.

NEFT to Saraswat Cooperative Bank Limited, ICHALKARANJI, DIST. SANGLI using IFSC SRCB0000172

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 SRCB0000172, and confirm that the system picks up Saraswat Cooperative Bank Limited – ICHALKARANJI, DIST. SANGLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SRCB0000172

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 – ICHALKARANJI, DIST. SANGLI, ensure your bank's portal accepts IFSC SRCB0000172 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 – ICHALKARANJI, DIST. SANGLI, use IMPS. With IFSC SRCB0000172 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 Ichalkaranji, Dist. Sangli

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 SRCB0000172:

• 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 ICHALKARANJI, DIST. SANGLI is still linked to IFSC SRCB0000172.

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 SRCB0000172

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 – ICHALKARANJI, DIST. SANGLI is still mapped to IFSC SRCB0000172. 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 SRCB0000172 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Ichalkaranji, Dist. Sangli 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 SRCB0000172 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 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 SRCB0000172 and the account number together uniquely identify the Ichalkaranji, Dist. Sangli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ICHALKARANJI, DIST. SANGLI:

• The IFSC is exactly SRCB0000172 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 ICHALKARANJI, DIST. SANGLI 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 Ichalkaranji, Dist. Sangli branch

The branch is located at MOHAN MARKET, OLD STATION ROAD, NEAR S. T. STAND, ICHALKARANJI. 416 115, which puts it inside Sangli-Miraj-Kupwad, the broader Sangli district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Ichalkaranji, Dist. Sangli branch” — the verified location pin for IFSC SRCB0000172 should appear at the top of the results.
2. Confirm the branch is open by calling 230-2432597 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 SRCB0000172 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000172 for Saraswat Cooperative Bank Limited – ICHALKARANJI, DIST. SANGLI, 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 Ichalkaranji, Dist. Sangli 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 SRCB0000172 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000172 is the IFSC code of Saraswat Cooperative Bank Limited, ICHALKARANJI, DIST. SANGLI branch, in SANGLI-MIRAJ-KUPWAD, 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.