IFSC Code of Saraswat Cooperative Bank Limited, The Chembur Nagarik Sahakari Bank Ltd.Thane Branch Branch, Maharashtra

Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH branch in THANE, MAHARASHTRA. The branch's IFSC code SRCB0CNS015 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH is SRCB0CNS015. The first four letters SRCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CNS015 map to this branch in THANE, MAHARASHTRA.

Bank profile

Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch — IFSC SRCB0CNS015 — extends the bank's services to customers in and around Thane, Maharashtra.

The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch overview

Located at SHOP NO.1 & 4 B & C WING,SHREE GAJANAN HEIGHTS,SAWANTWADI,KAMANAGAR HOSPITAL ROAD,RAMCHANDRA NAGAR-1,THANE-400075, the The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SRCB0CNS015 is required for all interbank electronic transfers routed through this branch.

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 THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH branch came to be assigned the code SRCB0CNS015.

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 SRCB0CNS015, money simply cannot be routed to the THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH 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 SRCB0CNS015 and the account number together uniquely identify the The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SRCB0CNS015

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 SRCB0CNS015 across all three.

NEFT to Saraswat Cooperative Bank Limited, THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH using IFSC SRCB0CNS015

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 SRCB0CNS015, and confirm that the system picks up Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0CNS015 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH (IFSC SRCB0CNS015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0CNS015 in your mobile or internet banking app, and the money is credited to the THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Chembur Nagarik Sahakari Bank Ltd.Thane Branch

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 SRCB0CNS015:

• 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 THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH is still linked to IFSC SRCB0CNS015.

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 SRCB0CNS015

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 – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH is still mapped to IFSC SRCB0CNS015. 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 SRCB0CNS015 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch is mapped to IFSC SRCB0CNS015 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 SRCB0CNS015.

Banking services available

The The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25802226.

• 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 SRCB0CNS015

Online banking and IFSC SRCB0CNS015

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH 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 SRCB0CNS015 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.

Reaching the branch

The The Chembur Nagarik Sahakari Bank Ltd.Thane Branch branch sits at SHOP NO.1 & 4 B & C WING,SHREE GAJANAN HEIGHTS,SAWANTWADI,KAMANAGAR HOSPITAL ROAD,RAMCHANDRA NAGAR-1,THANE-400075. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-25802226 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 SRCB0CNS015 and your account number.

Common mistakes to avoid when using IFSC SRCB0CNS015

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 – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH, 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: SRCB0CNS015.
• 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.

Working hours

Branch counters at The Chembur Nagarik Sahakari Bank Ltd.Thane Branch 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 SRCB0CNS015 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0CNS015 for Saraswat Cooperative Bank Limited – THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH, 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: SRCB0CNS015 is the IFSC code of Saraswat Cooperative Bank Limited, THE CHEMBUR NAGARIK SAHAKARI BANK LTD.THANE BRANCH 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.