If you are searching for the IFSC code of Saraswat Cooperative Bank Limited, UDUPI branch in UDUPI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is SRCB0000223. 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 UDUPI branch, and detailed step-by-step guides for using the IFSC SRCB0000223 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, SRCB0000223 is the IFSC of Saraswat Cooperative Bank Limited's UDUPI branch. The format is fixed: SRCB = bank code, 0 = reserved, 000223 = branch identifier.
Bank profile
Saraswat Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Udupi branch — IFSC SRCB0000223 — extends the bank's services to customers in and around Udupi, Karnataka.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | Udupi |
| IFSC Code | SRCB0000223 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BALLAL TOWERS, COURT ROAD, JODUKATTE, OPP. Y. M. C. A., UDUPI - 576101 |
| City | Udupi |
| District | Udupi |
| State | Karnataka |
| STD Code | 820 |
| Phone | 2526010 |
About this branch
The branch is located at BALLAL TOWERS, COURT ROAD, JODUKATTE, OPP. Y. M. C. A., UDUPI - 576101. It serves the Udupi 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 SRCB0000223 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 UDUPI branch came to be assigned the code SRCB0000223.
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 SRCB0000223, money simply cannot be routed to the UDUPI branch electronically.
Account types you can open at the Udupi branch
Once you have an account at Saraswat Cooperative Bank Limited – UDUPI, the IFSC SRCB0000223 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 Udupi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 820-2526010.
- 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 SRCB0000223
How to transfer money using IFSC SRCB0000223
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 SRCB0000223 across all three.
NEFT to Saraswat Cooperative Bank Limited, UDUPI using IFSC SRCB0000223
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 SRCB0000223, and confirm that the system picks up Saraswat Cooperative Bank Limited – UDUPI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SRCB0000223
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 – UDUPI, ensure your bank's portal accepts IFSC SRCB0000223 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Saraswat Cooperative Bank Limited UDUPI (IFSC SRCB0000223)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000223 in your mobile or internet banking app, and the money is credited to the UDUPI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SRCB0000223 for Saraswat Cooperative Bank Limited – UDUPI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SRCB0000223 | Yes – SRCB0000223 | Yes – SRCB0000223 |
For most retail customers crediting the Udupi 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 UDUPI branch, the IFSC SRCB0000223 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.
Online banking and IFSC SRCB0000223
Saraswat Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UDUPI 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 SRCB0000223 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.
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 SRCB0000223 and the account number together uniquely identify the Udupi 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 SRCB0000223
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 – UDUPI, 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:
SRCB0000223. - 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 Udupi branch sits at BALLAL TOWERS, COURT ROAD, JODUKATTE, OPP. Y. M. C. A., UDUPI - 576101. If you are travelling from outside Udupi, search for the branch on a maps application using the bank name and locality, or call 820-2526010 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 SRCB0000223 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SRCB0000223 for Saraswat Cooperative Bank Limited – UDUPI, 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 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 Udupi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000223, however, work 24x7.
Branch address & contact
Saraswat Cooperative Bank LimitedUdupi Branch
BALLAL TOWERS, COURT ROAD, JODUKATTE, OPP. Y. M. C. A., UDUPI - 576101
Udupi, Karnataka
Phone: 820-2526010
IFSC: SRCB0000223
Frequently asked questions
What is the IFSC code of Saraswat Cooperative Bank Limited Udupi branch?
The IFSC code of Saraswat Cooperative Bank Limited, Udupi branch is SRCB0000223. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC SRCB0000223 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000223 to send funds instantly.
How do I add Saraswat Cooperative Bank Limited Udupi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0000223, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SRCB0000223 the same for all accounts at Udupi branch?
Yes. The IFSC SRCB0000223 is shared by every account held at Saraswat Cooperative Bank Limited's Udupi branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Udupi branch but serve different purposes.
Where is Saraswat Cooperative Bank Limited Udupi branch located?
Saraswat Cooperative Bank Limited's Udupi branch is located at BALLAL TOWERS, COURT ROAD, JODUKATTE, OPP. Y. M. C. A., UDUPI - 576101, Udupi, Karnataka.
Summary
The IFSC code SRCB0000223 belongs to Saraswat Cooperative Bank Limited's UDUPI branch, located at BALLAL TOWERS, COURT ROAD, JODUKATTE, OPP. Y. M. C. A., UDUPI - 576101 in UDUPI, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
