IFSC Code of The Shamrao Vithal Cooperative Bank, The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road Branch, Karnataka

Below are the complete branch details for The Shamrao Vithal Cooperative Bank, THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD branch, located in BANGALORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is SVCB0039002. 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 SVCB0039002 for The Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SVCB0039002 is the IFSC of The Shamrao Vithal Cooperative Bank's THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD branch. The format is fixed: SVCB = bank code, 0 = reserved, 039002 = branch identifier.

About the bank

The Shamrao Vithal Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch in Bangalore, Karnataka is part of this network and uses the IFSC code SVCB0039002 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 651/A, D BLOCK, 2ND STAGE, FIRST MAIN ROAD, DR. RAJKUMAR ROAD, RAJAJINAGAR, BANGALORE - 560010. It serves the Bangalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Shamrao Vithal Cooperative Bank. The IFSC SVCB0039002 is used to identify this branch on the RBI payments network.

Why every The Shamrao Vithal Cooperative Bank 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 THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0039002 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 SVCB0039002 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 The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch

Once you have an account at The Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD, the IFSC SVCB0039002 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 The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch can access most of The Shamrao Vithal Cooperative Bank'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 SVCB0039002

How to transfer money using IFSC SVCB0039002

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 SVCB0039002 across all three.

How to use IFSC SVCB0039002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Shamrao Vithal Cooperative Bank's THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD 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 SVCB0039002.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD.
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 SVCB0039002

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 Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD, ensure your bank's portal accepts IFSC SVCB0039002 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Shamrao Vithal Cooperative Bank THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD (IFSC SVCB0039002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0039002 in your mobile or internet banking app, and the money is credited to the THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD branch account within seconds.

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

All three modes accept the IFSC SVCB0039002 for The Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD, 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 The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road 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 SVCB0039002

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 Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD is still mapped to IFSC SVCB0039002. 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 SVCB0039002 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SVCB0039002

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD 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 SVCB0039002 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 The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0039002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD:

• The IFSC is exactly SVCB0039002 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Shamrao Vithal Cooperative Bank as the bank name and THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD 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.

How to reach the The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch

The branch is located at 651/A, D BLOCK, 2ND STAGE, FIRST MAIN ROAD, DR. RAJKUMAR ROAD, RAJAJINAGAR, BANGALORE - 560010, which puts it inside Bangalore, the broader Bangalore Urban district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “The Shamrao Vithal Cooperative Bank The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch” — the verified location pin for IFSC SVCB0039002 should appear at the top of the results.
2. Confirm the branch is open by calling 80-23321923 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 SVCB0039002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0039002 for The Shamrao Vithal Cooperative Bank – THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD, 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 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 The Citizen Co Op Bank Ltd - Rajajinagar, Dr. Rajkumar Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0039002, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0039002 belongs to The Shamrao Vithal Cooperative Bank's THE CITIZEN CO OP BANK LTD - RAJAJINAGAR, DR. RAJKUMAR ROAD branch, located at 651/A, D BLOCK, 2ND STAGE, FIRST MAIN ROAD, DR. RAJKUMAR ROAD, RAJAJINAGAR,… in BANGALORE, KARNATAKA. 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.