IFSC Code of Sree Charan Souhardha Cooperative Bank Ltd, Gandhi Bazar Branch Branch, Karnataka

Use this page as a one-stop reference for everything related to Sree Charan Souhardha Cooperative Bank Ltd's GANDHI BAZAR BRANCH branch in BANGALORE, KARNATAKA. The branch's IFSC code SECB0000002 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.

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 Sree Charan Souhardha Cooperative Bank Ltd's GANDHI BAZAR BRANCH branch, the IFSC SECB0000002 breaks down as follows: SECB identifies the bank, 0 is the reserved character, and 000002 identifies this particular branch.

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 Gandhi Bazar Branch branch in Bangalore, Karnataka is part of this network and uses the IFSC code SECB0000002 for all electronic settlement.

Gandhi Bazar Branch branch overview

Located at NO. 87/1, H B SAMAJA ROAD, BASAVANAGUDI, the Gandhi Bazar Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SECB0000002 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 Sree Charan Souhardha Cooperative Bank Ltd's GANDHI BAZAR BRANCH branch came to be assigned the code SECB0000002.

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 SECB0000002, money simply cannot be routed to the GANDHI BAZAR BRANCH branch electronically.

How to transfer money using IFSC SECB0000002

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 SECB0000002 across all three.

NEFT to Sree Charan Souhardha Cooperative Bank Ltd, GANDHI BAZAR BRANCH using IFSC SECB0000002

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 SECB0000002, and confirm that the system picks up Sree Charan Souhardha Cooperative Bank Ltd – GANDHI BAZAR BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SECB0000002

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 Sree Charan Souhardha Cooperative Bank Ltd – GANDHI BAZAR BRANCH, ensure your bank's portal accepts IFSC SECB0000002 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Sree Charan Souhardha Cooperative Bank Ltd – GANDHI BAZAR BRANCH, use IMPS. With IFSC SECB0000002 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 SECB0000002 for Sree Charan Souhardha Cooperative Bank Ltd – GANDHI BAZAR BRANCH, 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 Gandhi Bazar Branch 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 SECB0000002

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 – GANDHI BAZAR BRANCH is still mapped to IFSC SECB0000002. 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 SECB0000002 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gandhi Bazar Branch branch is mapped to IFSC SECB0000002 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 SECB0000002.

Products and services

Customers walking into the Gandhi Bazar Branch branch can access most of Sree Charan Souhardha Cooperative Bank Ltd'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 SECB0000002

MICR & cheque-truncation details

Cheques drawn on the Gandhi Bazar Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SECB0000002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Gandhi Bazar Branch 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 SECB0000002 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.

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 – GANDHI BAZAR BRANCH:

• The IFSC is exactly SECB0000002 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 GANDHI BAZAR 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 Gandhi Bazar Branch branch

The branch is located at NO. 87/1, H B SAMAJA ROAD, BASAVANAGUDI, 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 Gandhi Bazar Branch branch” — the verified location pin for IFSC SECB0000002 should appear at the top of the results.
2. Confirm the branch is open by calling 80-26601151 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 SECB0000002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SECB0000002 for Sree Charan Souhardha Cooperative Bank Ltd – GANDHI BAZAR 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 Gandhi Bazar 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 SECB0000002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SECB0000002 belongs to Sree Charan Souhardha Cooperative Bank Ltd's GANDHI BAZAR BRANCH branch, located at NO. 87/1, H B SAMAJA ROAD, BASAVANAGUDI 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.