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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Saraswat Cooperative Bank Limited, KUPWAD, DIST. SANGLI branch in SANGLI-MIRAJ-KUPWAD. The 11-digit IFSC SRCB0000176 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Saraswat Cooperative Bank Limited at the KUPWAD, DIST. SANGLI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, SRCB0000176 is the IFSC of Saraswat Cooperative Bank Limited's KUPWAD, DIST. SANGLI branch. The format is fixed: SRCB = bank code, 0 = reserved, 000176 = branch identifier.

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Kupwad, Dist. Sangli branch in Sangli-Miraj-Kupwad. 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, SRCB0000176.

Branch details at a glance

About this branch

The branch is located at C. S. NO. 473/18, 473/38/2, PLOT NO. 10, A/P. KUPWAD, - 416 425. TAL. MIRAJ, DIST. SANGLI. 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 SRCB0000176 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 KUPWAD, DIST. SANGLI branch came to be assigned the code SRCB0000176.

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 SRCB0000176, money simply cannot be routed to the KUPWAD, DIST. SANGLI branch electronically.

Products and account variants supported

Every account opened at the Kupwad, Dist. Sangli branch is mapped to IFSC SRCB0000176 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 SRCB0000176.

Banking services available

The Kupwad, Dist. Sangli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 233-2346878.

• 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 SRCB0000176

How to transfer money using IFSC SRCB0000176

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 SRCB0000176 across all three.

How to use IFSC SRCB0000176 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's KUPWAD, DIST. SANGLI 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 SRCB0000176.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as KUPWAD, DIST. SANGLI.
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 SRCB0000176

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 – KUPWAD, DIST. SANGLI, ensure your bank's portal accepts IFSC SRCB0000176 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Saraswat Cooperative Bank Limited KUPWAD, DIST. SANGLI (IFSC SRCB0000176)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000176 in your mobile or internet banking app, and the money is credited to the KUPWAD, DIST. SANGLI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kupwad, 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 SRCB0000176:

• 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 KUPWAD, DIST. SANGLI is still linked to IFSC SRCB0000176.

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 KUPWAD, DIST. SANGLI branch, the IFSC SRCB0000176 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.

Digital banking channels

Most day-to-day work that customers used to do at the Kupwad, 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 SRCB0000176 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 SRCB0000176 and the account number together uniquely identify the Kupwad, Dist. Sangli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SRCB0000176

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 – KUPWAD, DIST. SANGLI, 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: SRCB0000176.
• 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 Kupwad, Dist. Sangli branch sits at C. S. NO. 473/18, 473/38/2, PLOT NO. 10, A/P. KUPWAD, - 416 425. TAL. MIRAJ, DIST. SANGLI. If you are travelling from outside Sangli-Miraj-Kupwad, search for the branch on a maps application using the bank name and locality, or call 233-2346878 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 SRCB0000176 and your account number.

Verifying IFSC SRCB0000176 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 SRCB0000176 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 233-2346878.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kupwad, 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 SRCB0000176 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000176 is the IFSC code of Saraswat Cooperative Bank Limited, KUPWAD, 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.