IFSC Code of Sree Charan Souhardha Cooperative Bank Ltd, City Market Branch Branch, Karnataka

Use this page as a one-stop reference for everything related to Sree Charan Souhardha Cooperative Bank Ltd's CITY MARKET BRANCH branch in BANGALORE, KARNATAKA. The branch's IFSC code SECB0000003 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, SECB0000003 is the IFSC of Sree Charan Souhardha Cooperative Bank Ltd's CITY MARKET BRANCH branch. The format is fixed: SECB = bank code, 0 = reserved, 000003 = branch identifier.

Branch details at a glance

About the bank

Sree Charan Souhardha Cooperative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its City Market Branch branch in Bangalore, Karnataka is part of this network and uses the IFSC code SECB0000003 for all electronic settlement.

About this branch

The branch is located at SUBBAMMA KRUPA, P R SHASTRY LANE, NAGARTHPET CROSS. It serves the Bangalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Sree Charan Souhardha Cooperative Bank Ltd. The IFSC SECB0000003 is used to identify this branch on the RBI payments network.

Why every Sree Charan Souhardha Cooperative Bank Ltd 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 CITY MARKET BRANCH of Sree Charan Souhardha Cooperative Bank Ltd — its own 11-character IFSC. The code SECB0000003 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 SECB0000003 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 SECB0000003

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 SECB0000003 across all three.

How to use IFSC SECB0000003 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Sree Charan Souhardha Cooperative Bank Ltd's CITY MARKET BRANCH 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 SECB0000003.
4. Confirm the bank name auto-populates as Sree Charan Souhardha Cooperative Bank Ltd and the branch as CITY MARKET BRANCH.
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 CITY MARKET BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Sree Charan Souhardha Cooperative Bank Ltd's CITY MARKET BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SECB0000003 while initiating the transfer and the credit will appear within minutes.

IMPS to Sree Charan Souhardha Cooperative Bank Ltd CITY MARKET BRANCH (IFSC SECB0000003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SECB0000003 in your mobile or internet banking app, and the money is credited to the CITY MARKET BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to City Market 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 SECB0000003:

• 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 CITY MARKET BRANCH is still linked to IFSC SECB0000003.

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 SECB0000003

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 Sree Charan Souhardha Cooperative Bank Ltd – CITY MARKET BRANCH is still mapped to IFSC SECB0000003. 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 SECB0000003 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the City Market Branch branch is mapped to IFSC SECB0000003 on the RBI payments network. The branch generally supports the full retail product catalogue of Sree Charan Souhardha Cooperative Bank Ltd, 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 SECB0000003.

Banking services available

The City Market Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-22229911.

• 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 SECB0000003

MICR & cheque-truncation details

Cheques drawn on the City Market Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SECB0000003 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SECB0000003

Sree Charan Souhardha Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the CITY MARKET 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 SECB0000003 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 Sree Charan Souhardha Cooperative Bank Ltd – CITY MARKET BRANCH:

• The IFSC is exactly SECB0000003 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Sree Charan Souhardha Cooperative Bank Ltd as the bank name and CITY MARKET BRANCH 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 City Market Branch branch

The branch is located at SUBBAMMA KRUPA, P R SHASTRY LANE, NAGARTHPET CROSS, which puts it inside Bangalore, the broader Bangalore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Sree Charan Souhardha Cooperative Bank Ltd City Market Branch branch” — the verified location pin for IFSC SECB0000003 should appear at the top of the results.
2. Confirm the branch is open by calling 80-22229911 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 SECB0000003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SECB0000003 for Sree Charan Souhardha Cooperative Bank Ltd – CITY MARKET 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.

Working hours

Branch counters at City Market 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 SECB0000003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SECB0000003 belongs to Sree Charan Souhardha Cooperative Bank Ltd's CITY MARKET BRANCH branch, located at SUBBAMMA KRUPA, P R SHASTRY LANE, NAGARTHPET CROSS in BANGALORE, 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.