Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's CENTRALISED ETDS CELL branch in VASHI, MAHARASHTRA. The branch's IFSC code SRCB0000461 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.
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, SRCB0000461 is the IFSC of Saraswat Cooperative Bank Limited's CENTRALISED ETDS CELL branch. The format is fixed: SRCB = bank code, 0 = reserved, 000461 = branch identifier.
About Saraswat Cooperative Bank Limited
Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Centralised Etds Cell branch in Vashi. 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, SRCB0000461.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | Centralised Etds Cell |
| IFSC Code | SRCB0000461 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MADHUSHREE PLOT NO 85, SECTOR 17, FIRST FLOOR,VASHI, PIN-400703 |
| City | Vashi |
| District | Navi Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 27890421 |
About this branch
The branch is located at MADHUSHREE PLOT NO 85, SECTOR 17, FIRST FLOOR,VASHI, PIN-400703. It serves the Vashi 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 SRCB0000461 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 CENTRALISED ETDS CELL branch came to be assigned the code SRCB0000461.
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 SRCB0000461, money simply cannot be routed to the CENTRALISED ETDS CELL branch electronically.
Account types you can open at the Centralised Etds Cell branch
Once you have an account at Saraswat Cooperative Bank Limited – CENTRALISED ETDS CELL, the IFSC SRCB0000461 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 Centralised Etds Cell branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-27890421.
- 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 SRCB0000461
How to transfer money using IFSC SRCB0000461
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 SRCB0000461 across all three.
How to use IFSC SRCB0000461 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's CENTRALISED ETDS CELL 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SRCB0000461.
- Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as CENTRALISED ETDS CELL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SRCB0000461
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 – CENTRALISED ETDS CELL, ensure your bank's portal accepts IFSC SRCB0000461 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 – CENTRALISED ETDS CELL, use IMPS. With IFSC SRCB0000461 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 SRCB0000461 for Saraswat Cooperative Bank Limited – CENTRALISED ETDS CELL, 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 – SRCB0000461 | Yes – SRCB0000461 | Yes – SRCB0000461 |
For most retail customers crediting the Centralised Etds Cell 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 CENTRALISED ETDS CELL branch, the IFSC SRCB0000461 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 Centralised Etds Cell 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 SRCB0000461 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 & cheque-truncation details
Cheques drawn on the Centralised Etds Cell branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SRCB0000461 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – CENTRALISED ETDS CELL:
- The IFSC is exactly SRCB0000461 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 CENTRALISED ETDS CELL 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.
Reaching the branch
The Centralised Etds Cell branch sits at MADHUSHREE PLOT NO 85, SECTOR 17, FIRST FLOOR,VASHI, PIN-400703. If you are travelling from outside Vashi, search for the branch on a maps application using the bank name and locality, or call 22-27890421 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 SRCB0000461 and your account number.
Verifying IFSC SRCB0000461 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 SRCB0000461 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-27890421.
- Visiting the bank's official branch locator page.
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 Centralised Etds Cell branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SRCB0000461, however, work 24x7.
Branch address & contact
Saraswat Cooperative Bank LimitedCentralised Etds Cell Branch
MADHUSHREE PLOT NO 85, SECTOR 17, FIRST FLOOR,VASHI, PIN-400703
Vashi, Maharashtra
Phone: 22-27890421
IFSC: SRCB0000461
Frequently asked questions
Does Saraswat Cooperative Bank Limited Centralised Etds Cell branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-27890421 to confirm.
How quickly will an NEFT transfer using SRCB0000461 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – Centralised Etds Cell reflect within 30 minutes.
Is IFSC SRCB0000461 the same for all accounts at Centralised Etds Cell branch?
Yes. The IFSC SRCB0000461 is shared by every account held at Saraswat Cooperative Bank Limited's Centralised Etds Cell branch. Only the account number changes from customer to customer.
Is IFSC SRCB0000461 valid for NEFT and RTGS?
Yes. IFSC SRCB0000461 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Saraswat Cooperative Bank Limited Centralised Etds Cell branch?
You can reach the branch at 22-27890421 during regular banking hours.
How do I add Saraswat Cooperative Bank Limited Centralised Etds Cell as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0000461, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC SRCB0000461 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000461 to send funds instantly.
Final notes
To recap: SRCB0000461 is the IFSC code of Saraswat Cooperative Bank Limited, CENTRALISED ETDS CELL branch, in VASHI, 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.
