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

Below are the complete branch details for The Satara District Central Cooperative Bank Ltd, SHIRGAON branch, located in SATARA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SDCE0001221. 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 SDCE0001221 for The Satara District Central Cooperative Bank Ltd – SHIRGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Satara District Central Cooperative Bank Ltd – SHIRGAON is SDCE0001221. The first four letters SDCE are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001221 map to this branch in SATARA, MAHARASHTRA.

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 Shirgaon branch in Satara, Maharashtra is part of this network and uses the IFSC code SDCE0001221 for all electronic settlement.

Branch details at a glance

About the Shirgaon branch

The Shirgaon branch of The Satara District Central Cooperative Bank Ltd is situated at TAL-KARAD,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 SDCE0001221 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 SHIRGAON of The Satara District Central Cooperative Bank Ltd — its own 11-character IFSC. The code SDCE0001221 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 SDCE0001221 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Shirgaon branch is mapped to IFSC SDCE0001221 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 SDCE0001221.

Banking services available

The Shirgaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 412803-2164261211.

• 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 SDCE0001221

How to transfer money using IFSC SDCE0001221

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 SDCE0001221 across all three.

How to use IFSC SDCE0001221 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 SHIRGAON 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 SDCE0001221.
4. Confirm the bank name auto-populates as The Satara District Central Cooperative Bank Ltd and the branch as SHIRGAON.
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 SHIRGAON

If you need to transfer ₹2 lakh or more in one go to an account at The Satara District Central Cooperative Bank Ltd's SHIRGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCE0001221 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 – SHIRGAON, use IMPS. With IFSC SDCE0001221 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 SDCE0001221 for The Satara District Central Cooperative Bank Ltd – SHIRGAON, 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 Shirgaon 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 SHIRGAON branch, the IFSC SDCE0001221 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.

Digital banking channels

Most day-to-day work that customers used to do at the Shirgaon 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 SDCE0001221 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Satara District Central Cooperative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SDCE0001221 and the account number together uniquely identify the Shirgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SHIRGAON:

• The IFSC is exactly SDCE0001221 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 SHIRGAON 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.

Reaching the branch

The Shirgaon branch sits at TAL-KARAD,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 412803-2164261211 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 SDCE0001221 and your account number.

Verifying IFSC SDCE0001221 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 SDCE0001221 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 412803-2164261211.
• 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 Shirgaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCE0001221, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SDCE0001221 is the IFSC code of The Satara District Central Cooperative Bank Ltd, SHIRGAON 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.