IFSC Code of Saraswat Cooperative Bank Limited, Hiranandani ,Thane West Branch, Maharashtra

If you are searching for the IFSC code of Saraswat Cooperative Bank Limited, HIRANANDANI ,THANE WEST branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SRCB0000148. 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 HIRANANDANI ,THANE WEST branch, and detailed step-by-step guides for using the IFSC SRCB0000148 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, SRCB0000148 is the IFSC of Saraswat Cooperative Bank Limited's HIRANANDANI ,THANE WEST branch. The format is fixed: SRCB = bank code, 0 = reserved, 000148 = 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 Hiranandani ,Thane West branch in Thane, Maharashtra is part of this network and uses the IFSC code SRCB0000148 for all electronic settlement.

About the Hiranandani ,Thane West branch

The Hiranandani ,Thane West branch of Saraswat Cooperative Bank Limited is situated at SHOP NO.1 & 15 BLOCK NO.1, EMERALD PLAZA, HIRANANDANI MEDOWS, OFF POKHARAN ROAD NO.2, THANE (WEST) - 400 610.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SRCB0000148 is used.

Branch details at a glance

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 HIRANANDANI ,THANE WEST branch came to be assigned the code SRCB0000148.

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 SRCB0000148, money simply cannot be routed to the HIRANANDANI ,THANE WEST branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Hiranandani ,Thane West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000148 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SRCB0000148

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 SRCB0000148 across all three.

NEFT to Saraswat Cooperative Bank Limited, HIRANANDANI ,THANE WEST using IFSC SRCB0000148

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 SRCB0000148, and confirm that the system picks up Saraswat Cooperative Bank Limited – HIRANANDANI ,THANE WEST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SRCB0000148

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 – HIRANANDANI ,THANE WEST, ensure your bank's portal accepts IFSC SRCB0000148 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 – HIRANANDANI ,THANE WEST, use IMPS. With IFSC SRCB0000148 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 SRCB0000148 for Saraswat Cooperative Bank Limited – HIRANANDANI ,THANE WEST, 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 Hiranandani ,Thane West 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 HIRANANDANI ,THANE WEST branch, the IFSC SRCB0000148 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 Hiranandani ,Thane West branch is mapped to IFSC SRCB0000148 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 SRCB0000148.

Banking services available

The Hiranandani ,Thane West branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-24671274.

• 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 SRCB0000148

Online banking and IFSC SRCB0000148

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HIRANANDANI ,THANE WEST 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 SRCB0000148 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 Hiranandani ,Thane West branch

The branch is located at SHOP NO.1 & 15 BLOCK NO.1, EMERALD PLAZA, HIRANANDANI MEDOWS, OFF POKHARAN ROAD NO.2, THANE (WEST) - 400 610., which puts it inside Thane, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Saraswat Cooperative Bank Limited Hiranandani ,Thane West branch” — the verified location pin for IFSC SRCB0000148 should appear at the top of the results.
2. Confirm the branch is open by calling 22-24671274 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 SRCB0000148 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 – HIRANANDANI ,THANE WEST:

• The IFSC is exactly SRCB0000148 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 HIRANANDANI ,THANE WEST 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 Hiranandani ,Thane West branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000148, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000148 for Saraswat Cooperative Bank Limited – HIRANANDANI ,THANE WEST, 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: SRCB0000148 is the IFSC code of Saraswat Cooperative Bank Limited, HIRANANDANI ,THANE WEST branch, in THANE, 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.