IFSC Code of Sir M Visvesvaraya Cooperative Bank Limited, Branch, Karnataka

If you are searching for the IFSC code of Sir M Visvesvaraya Cooperative Bank Limited, branch in , KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is MVCB0000004. 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 branch, and detailed step-by-step guides for using the IFSC MVCB0000004 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Sir M Visvesvaraya Cooperative Bank Limited's branch, the IFSC MVCB0000004 breaks down as follows: MVCB identifies the bank, 0 is the reserved character, and 000004 identifies this particular branch.

Branch details at a glance

Bank profile

Sir M Visvesvaraya Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The branch — IFSC MVCB0000004 — extends the bank's services to customers in and around , Karnataka.

branch overview

Located at 68,OLD(668)45THCROSS,JAYANAGAR8THBLOCK,JAYANAGAR,BANGALORE-560082, the branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MVCB0000004 is required for all interbank electronic transfers routed through this branch.

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 Sir M Visvesvaraya Cooperative Bank Limited's branch came to be assigned the code MVCB0000004.

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 MVCB0000004, money simply cannot be routed to the branch electronically.

How to transfer money using IFSC MVCB0000004

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 MVCB0000004 across all three.

How to use IFSC MVCB0000004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Sir M Visvesvaraya Cooperative Bank Limited's 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 MVCB0000004.
4. Confirm the bank name auto-populates as Sir M Visvesvaraya Cooperative Bank Limited and the branch as .
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

If you need to transfer ₹2 lakh or more in one go to an account at Sir M Visvesvaraya Cooperative Bank Limited's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MVCB0000004 while initiating the transfer and the credit will appear within minutes.

IMPS to Sir M Visvesvaraya Cooperative Bank Limited (IFSC MVCB0000004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MVCB0000004 in your mobile or internet banking app, and the money is credited to the branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to

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 MVCB0000004:

• 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 is still linked to IFSC MVCB0000004.

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.

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 Sir M Visvesvaraya Cooperative Bank Limited's branch, the IFSC MVCB0000004 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 branch is mapped to IFSC MVCB0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of Sir M Visvesvaraya 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 MVCB0000004.

Products and services

Customers walking into the branch can access most of Sir M Visvesvaraya 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 MVCB0000004

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Sir M Visvesvaraya 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 MVCB0000004 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC MVCB0000004

Sir M Visvesvaraya Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 MVCB0000004 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.

Common mistakes to avoid when using IFSC MVCB0000004

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 Sir M Visvesvaraya Cooperative Bank Limited – , 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: MVCB0000004.
• 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 branch sits at 68,OLD(668)45THCROSS,JAYANAGAR8THBLOCK,JAYANAGAR,BANGALORE-560082. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 8022956409 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 MVCB0000004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MVCB0000004 for Sir M Visvesvaraya Cooperative Bank Limited – , 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 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 MVCB0000004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MVCB0000004 is the IFSC code of Sir M Visvesvaraya Cooperative Bank Limited, branch, in , KARNATAKA. 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.