IFSC Code of The Satara District Central Cooperative Bank Ltd, Kiroli Branch, Maharashtra

Below are the complete branch details for The Satara District Central Cooperative Bank Ltd, KIROLI branch, located in SATARA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SDCE0001245. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SDCE0001245 for The Satara District Central Cooperative Bank Ltd – KIROLI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 The Satara District Central Cooperative Bank Ltd's KIROLI branch, the IFSC SDCE0001245 breaks down as follows: SDCE identifies the bank, 0 is the reserved character, and 001245 identifies this particular branch.

Bank profile

The Satara District Central Cooperative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Kiroli branch — IFSC SDCE0001245 — extends the bank's services to customers in and around Satara, Maharashtra.

Branch details at a glance

About the Kiroli branch

The Kiroli branch of The Satara District Central Cooperative Bank Ltd is situated at TAL-KOREGAON,DIST-SATARA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SDCE0001245 is used.

Why every The Satara District Central 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 KIROLI of The Satara District Central Cooperative Bank Ltd — its own 11-character IFSC. The code SDCE0001245 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 SDCE0001245 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kiroli branch

Once you have an account at The Satara District Central Cooperative Bank Ltd – KIROLI, the IFSC SDCE0001245 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.

Products and services

Customers walking into the Kiroli branch can access most of The Satara District Central 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 SDCE0001245

How to transfer money using IFSC SDCE0001245

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 SDCE0001245 across all three.

How to use IFSC SDCE0001245 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Satara District Central Cooperative Bank Ltd's KIROLI 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 SDCE0001245.
4. Confirm the bank name auto-populates as The Satara District Central Cooperative Bank Ltd and the branch as KIROLI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SDCE0001245

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 The Satara District Central Cooperative Bank Ltd – KIROLI, ensure your bank's portal accepts IFSC SDCE0001245 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Satara District Central Cooperative Bank Ltd KIROLI (IFSC SDCE0001245)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCE0001245 in your mobile or internet banking app, and the money is credited to the KIROLI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kiroli

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 SDCE0001245:

• 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 KIROLI is still linked to IFSC SDCE0001245.

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 The Satara District Central Cooperative Bank Ltd's KIROLI branch, the IFSC SDCE0001245 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 SDCE0001245

The Satara District Central Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the KIROLI 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 SDCE0001245 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 & cheque-truncation details

Cheques drawn on the Kiroli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCE0001245 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC SDCE0001245

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 The Satara District Central Cooperative Bank Ltd – KIROLI, 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: SDCE0001245.
• 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.

How to reach the Kiroli branch

The branch is located at TAL-KOREGAON,DIST-SATARA, which puts it inside Satara, the broader Kiroli district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Satara District Central Cooperative Bank Ltd Kiroli branch” — the verified location pin for IFSC SDCE0001245 should appear at the top of the results.
2. Confirm the branch is open by calling 415116-2163235240 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 SDCE0001245 and your account number.

Verifying IFSC SDCE0001245 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 SDCE0001245 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 415116-2163235240.
• 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 Kiroli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCE0001245, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCE0001245 belongs to The Satara District Central Cooperative Bank Ltd's KIROLI branch, located at TAL-KOREGAON,DIST-SATARA in SATARA, MAHARASHTRA. 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.