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

Below are the complete branch details for The Satara District Central Cooperative Bank Ltd, WATHAR KARAD branch, located in SATARA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SDCE0001043. 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 SDCE0001043 for The Satara District Central Cooperative Bank Ltd – WATHAR KARAD — 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 – WATHAR KARAD is SDCE0001043. The first four letters SDCE are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001043 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 Wathar Karad branch in Satara, Maharashtra is part of this network and uses the IFSC code SDCE0001043 for all electronic settlement.

About the Wathar Karad branch

The Wathar Karad 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 SDCE0001043 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 WATHAR KARAD of The Satara District Central Cooperative Bank Ltd — its own 11-character IFSC. The code SDCE0001043 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 SDCE0001043 the same way you would treat your account number — verify it once and save it carefully for future use.

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 SDCE0001043 and the account number together uniquely identify the Wathar Karad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SDCE0001043

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 SDCE0001043 across all three.

NEFT to The Satara District Central Cooperative Bank Ltd, WATHAR KARAD using IFSC SDCE0001043

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 SDCE0001043, and confirm that the system picks up The Satara District Central Cooperative Bank Ltd – WATHAR KARAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SDCE0001043

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 – WATHAR KARAD, ensure your bank's portal accepts IFSC SDCE0001043 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Satara District Central Cooperative Bank Ltd WATHAR KARAD (IFSC SDCE0001043)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCE0001043 in your mobile or internet banking app, and the money is credited to the WATHAR KARAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SDCE0001043 for The Satara District Central Cooperative Bank Ltd – WATHAR KARAD, 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 Wathar Karad 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 SDCE0001043

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 – WATHAR KARAD is still mapped to IFSC SDCE0001043. 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 SDCE0001043 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Wathar Karad branch is mapped to IFSC SDCE0001043 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 SDCE0001043.

Products and services

Customers walking into the Wathar Karad 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 SDCE0001043

Online banking and IFSC SDCE0001043

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 WATHAR KARAD 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 SDCE0001043 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 Wathar Karad branch

The branch is located at TAL-KARAD,DIST-SATARA, which puts it inside Satara, the broader Wathar Karad 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 Wathar Karad branch” — the verified location pin for IFSC SDCE0001043 should appear at the top of the results.
2. Confirm the branch is open by calling 415110-2164263223 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 SDCE0001043 and your account number.

Common mistakes to avoid when using IFSC SDCE0001043

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 – WATHAR KARAD, 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: SDCE0001043.
• 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.

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 Wathar Karad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCE0001043, however, work 24x7.

Verifying IFSC SDCE0001043 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 SDCE0001043 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 415110-2164263223.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCE0001043 belongs to The Satara District Central Cooperative Bank Ltd's WATHAR KARAD branch, located at TAL-KARAD,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.