IFSC Code of Saraswat Cooperative Bank Limited, Vijay Nagri Branch, Maharashtra

If you are searching for the IFSC code of Saraswat Cooperative Bank Limited, VIJAY NAGRI branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SRCB0000108. 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 VIJAY NAGRI branch, and detailed step-by-step guides for using the IFSC SRCB0000108 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, SRCB0000108 is the IFSC of Saraswat Cooperative Bank Limited's VIJAY NAGRI branch. The format is fixed: SRCB = bank code, 0 = reserved, 000108 = branch identifier.

Branch details at a glance

About Saraswat Cooperative Bank Limited

Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Vijay Nagri branch in Thane. 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, SRCB0000108.

About this branch

The branch is located at SHOP NO.5 AND 6, J VIJAY APPARTMENT III, KAVESAR,WAGHBILL NAKA , G B ROAD. It serves the Thane 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 SRCB0000108 is used to identify this branch on the RBI payments network.

Why every Saraswat Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VIJAY NAGRI of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000108 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SRCB0000108 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SRCB0000108

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 SRCB0000108 across all three.

How to use IFSC SRCB0000108 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's VIJAY NAGRI 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 SRCB0000108.
4. Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as VIJAY NAGRI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to VIJAY NAGRI

If you need to transfer ₹2 lakh or more in one go to an account at Saraswat Cooperative Bank Limited's VIJAY NAGRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SRCB0000108 while initiating the transfer and the credit will appear within minutes.

IMPS to Saraswat Cooperative Bank Limited VIJAY NAGRI (IFSC SRCB0000108)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000108 in your mobile or internet banking app, and the money is credited to the VIJAY NAGRI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SRCB0000108 for Saraswat Cooperative Bank Limited – VIJAY NAGRI, 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 Vijay Nagri 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.

UPI payments and IFSC SRCB0000108

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 – VIJAY NAGRI is still mapped to IFSC SRCB0000108. 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 SRCB0000108 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vijay Nagri branch is mapped to IFSC SRCB0000108 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 SRCB0000108.

Products and services

Customers walking into the Vijay Nagri branch can access most of Saraswat Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC SRCB0000108

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 SRCB0000108 and the account number together uniquely identify the Vijay Nagri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SRCB0000108

Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VIJAY NAGRI 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 SRCB0000108 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.

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 – VIJAY NAGRI:

• The IFSC is exactly SRCB0000108 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 VIJAY NAGRI 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 Vijay Nagri branch

The branch is located at SHOP NO.5 AND 6, J VIJAY APPARTMENT III, KAVESAR,WAGHBILL NAKA , G B ROAD, 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 Vijay Nagri branch” — the verified location pin for IFSC SRCB0000108 should appear at the top of the results.
2. Confirm the branch is open by calling 22-25971603 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 SRCB0000108 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SRCB0000108 for Saraswat Cooperative Bank Limited – VIJAY NAGRI, 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 Vijay Nagri 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 SRCB0000108 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SRCB0000108 is the IFSC code of Saraswat Cooperative Bank Limited, VIJAY NAGRI 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.