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

If you are searching for the IFSC code of The Satara District Central Cooperative Bank Ltd, NIRGUDI branch in SATARA, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SDCE0001132. 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 NIRGUDI branch, and detailed step-by-step guides for using the IFSC SDCE0001132 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 The Satara District Central Cooperative Bank Ltd's NIRGUDI branch, the IFSC SDCE0001132 breaks down as follows: SDCE identifies the bank, 0 is the reserved character, and 001132 identifies this particular branch.

About the bank

The Satara District Central Cooperative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nirgudi branch in Satara, Maharashtra is part of this network and uses the IFSC code SDCE0001132 for all electronic settlement.

About the Nirgudi branch

The Nirgudi branch of The Satara District Central Cooperative Bank Ltd is situated at TAL-PHALTAN,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 SDCE0001132 is used.

Branch details at a glance

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 NIRGUDI of The Satara District Central Cooperative Bank Ltd — its own 11-character IFSC. The code SDCE0001132 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 SDCE0001132 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Nirgudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCE0001132 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 SDCE0001132

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 SDCE0001132 across all three.

How to use IFSC SDCE0001132 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 NIRGUDI 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 SDCE0001132.
4. Confirm the bank name auto-populates as The Satara District Central Cooperative Bank Ltd and the branch as NIRGUDI.
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 NIRGUDI

If you need to transfer ₹2 lakh or more in one go to an account at The Satara District Central Cooperative Bank Ltd's NIRGUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCE0001132 while initiating the transfer and the credit will appear within minutes.

IMPS to The Satara District Central Cooperative Bank Ltd NIRGUDI (IFSC SDCE0001132)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCE0001132 in your mobile or internet banking app, and the money is credited to the NIRGUDI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nirgudi

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 SDCE0001132:

• 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 NIRGUDI is still linked to IFSC SDCE0001132.

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 SDCE0001132

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 The Satara District Central Cooperative Bank Ltd – NIRGUDI is still mapped to IFSC SDCE0001132. 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 SDCE0001132 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nirgudi branch is mapped to IFSC SDCE0001132 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 SDCE0001132.

Products and services

Customers walking into the Nirgudi 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 SDCE0001132

Digital banking channels

Most day-to-day work that customers used to do at the Nirgudi 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 SDCE0001132 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.

Reaching the branch

The Nirgudi branch sits at TAL-PHALTAN,DIST-SATARA. If you are travelling from outside Satara, search for the branch on a maps application using the bank name and locality, or call 415523-2166256173 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 SDCE0001132 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 – NIRGUDI:

• The IFSC is exactly SDCE0001132 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 NIRGUDI 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 Nirgudi 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 SDCE0001132 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCE0001132 for The Satara District Central Cooperative Bank Ltd – NIRGUDI, 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

Frequently asked questions

Final notes

To recap: SDCE0001132 is the IFSC code of The Satara District Central Cooperative Bank Ltd, NIRGUDI 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.