Use this page as a one-stop reference for everything related to The Satara District Central Cooperative Bank Ltd's NAYGAON branch in SATARA, MAHARASHTRA. The branch's IFSC code SDCE0001226 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 The Satara District Central Cooperative Bank Ltd's NAYGAON branch, the IFSC SDCE0001226 breaks down as follows: SDCE identifies the bank, 0 is the reserved character, and 001226 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 Naygaon branch — IFSC SDCE0001226 — extends the bank's services to customers in and around Satara, Maharashtra.
About the Naygaon branch
The Naygaon branch of The Satara District Central Cooperative Bank Ltd is situated at TAL-KHANDALA,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 SDCE0001226 is used.
Branch details at a glance
| Bank Name | The Satara District Central Cooperative Bank Ltd |
|---|---|
| Branch | Naygaon |
| IFSC Code | SDCE0001226 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TAL-KHANDALA,DIST-SATARA |
| City | Satara |
| District | Naygaon |
| State | Maharashtra |
| STD Code | 412802 |
| Phone | 2169249101 |
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 The Satara District Central Cooperative Bank Ltd's NAYGAON branch came to be assigned the code SDCE0001226.
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 SDCE0001226, money simply cannot be routed to the NAYGAON branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Naygaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCE0001226 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SDCE0001226
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 SDCE0001226 across all three.
NEFT to The Satara District Central Cooperative Bank Ltd, NAYGAON using IFSC SDCE0001226
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 SDCE0001226, and confirm that the system picks up The Satara District Central Cooperative Bank Ltd – NAYGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAYGAON
If you need to transfer ₹2 lakh or more in one go to an account at The Satara District Central Cooperative Bank Ltd's NAYGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCE0001226 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to The Satara District Central Cooperative Bank Ltd – NAYGAON, use IMPS. With IFSC SDCE0001226 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 SDCE0001226 for The Satara District Central Cooperative Bank Ltd – NAYGAON, 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 – SDCE0001226 | Yes – SDCE0001226 | Yes – SDCE0001226 |
For most retail customers crediting the Naygaon 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 The Satara District Central Cooperative Bank Ltd's NAYGAON branch, the IFSC SDCE0001226 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 Naygaon branch is mapped to IFSC SDCE0001226 on the RBI payments network. The branch generally supports the full retail product catalogue of The Satara District Central 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 SDCE0001226.
Banking services available
The Naygaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 412802-2169249101.
- 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 SDCE0001226
Online banking and IFSC SDCE0001226
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 NAYGAON 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 SDCE0001226 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.
How to reach the Naygaon branch
The branch is located at TAL-KHANDALA,DIST-SATARA, which puts it inside Satara, the broader Naygaon district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “The Satara District Central Cooperative Bank Ltd Naygaon branch” — the verified location pin for IFSC SDCE0001226 should appear at the top of the results.
- Confirm the branch is open by calling 412802-2169249101 before stepping out, especially around public holidays.
- 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 SDCE0001226 and your account number.
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 The Satara District Central Cooperative Bank Ltd – NAYGAON:
- The IFSC is exactly SDCE0001226 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills The Satara District Central Cooperative Bank Ltd as the bank name and NAYGAON 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.
Working hours
Branch counters at Naygaon 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 SDCE0001226 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SDCE0001226 for The Satara District Central Cooperative Bank Ltd – NAYGAON, 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.
Branch address & contact
The Satara District Central Cooperative Bank LtdNaygaon Branch
TAL-KHANDALA,DIST-SATARA
Satara, Maharashtra
Phone: 412802-2169249101
IFSC: SDCE0001226
Frequently asked questions
Does The Satara District Central Cooperative Bank Ltd Naygaon branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 412802-2169249101 to confirm.
How do I add The Satara District Central Cooperative Bank Ltd Naygaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SDCE0001226, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SDCE0001226 the same for all accounts at Naygaon branch?
Yes. The IFSC SDCE0001226 is shared by every account held at The Satara District Central Cooperative Bank Ltd's Naygaon branch. Only the account number changes from customer to customer.
Where is The Satara District Central Cooperative Bank Ltd Naygaon branch located?
The Satara District Central Cooperative Bank Ltd's Naygaon branch is located at TAL-KHANDALA,DIST-SATARA, Satara, Maharashtra.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Naygaon branch but serve different purposes.
Is IFSC SDCE0001226 valid for NEFT and RTGS?
Yes. IFSC SDCE0001226 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: SDCE0001226 is the IFSC code of The Satara District Central Cooperative Bank Ltd, NAYGAON branch, in SATARA, 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.
