IFSC Code of The Shamrao Vithal Cooperative Bank, Belgaum Branch, Karnataka

Below are the complete branch details for The Shamrao Vithal Cooperative Bank, BELGAUM branch, located in BELGAUM, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is SVCB0000091. 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 SVCB0000091 for The Shamrao Vithal Cooperative Bank – BELGAUM — 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 Shamrao Vithal Cooperative Bank – BELGAUM is SVCB0000091. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000091 map to this branch in BELGAUM, KARNATAKA.

Branch details at a glance

About The Shamrao Vithal Cooperative Bank

The Shamrao Vithal Cooperative Bank operates a wide network of branches across India, including the Belgaum branch in Belgaum. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SVCB0000091.

Belgaum branch overview

Located at AASHRAYA EMPIRE, JUNCTION OF KHANAPUR ROAD & DESHMUKH ROAD (RPD CORNER),TILAKWADI, BELGAUM-590006, the Belgaum branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0000091 is required for all interbank electronic transfers routed through this branch.

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 BELGAUM of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0000091 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 SVCB0000091 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SVCB0000091

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 SVCB0000091 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, BELGAUM using IFSC SVCB0000091

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 SVCB0000091, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – BELGAUM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BELGAUM

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's BELGAUM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0000091 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Shamrao Vithal Cooperative Bank – BELGAUM, use IMPS. With IFSC SVCB0000091 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 SVCB0000091 for The Shamrao Vithal Cooperative Bank – BELGAUM, 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 Belgaum 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 SVCB0000091

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 – BELGAUM is still mapped to IFSC SVCB0000091. 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 SVCB0000091 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Belgaum branch is mapped to IFSC SVCB0000091 on the RBI payments network. The branch generally supports the full retail product catalogue of The Shamrao Vithal Cooperative Bank, 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 SVCB0000091.

Products and services

Customers walking into the Belgaum 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 SVCB0000091

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Shamrao Vithal Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SVCB0000091 and the account number together uniquely identify the Belgaum branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SVCB0000091

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the BELGAUM 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 SVCB0000091 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.

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 – BELGAUM:

• The IFSC is exactly SVCB0000091 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 BELGAUM 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 Belgaum branch

The branch is located at AASHRAYA EMPIRE, JUNCTION OF KHANAPUR ROAD & DESHMUKH ROAD (RPD CORNER),TILAKWADI, BELGAUM-590006, which puts it inside Belgaum, the broader Belgaum 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 Belgaum branch” — the verified location pin for IFSC SVCB0000091 should appear at the top of the results.
2. Confirm the branch is open by calling 831-2461448 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 SVCB0000091 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0000091 for The Shamrao Vithal Cooperative Bank – BELGAUM, 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.

Working hours

Branch counters at Belgaum 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 SVCB0000091 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0000091 is the IFSC code of The Shamrao Vithal Cooperative Bank, BELGAUM branch, in BELGAUM, KARNATAKA. 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.