IFSC Code of The Shamrao Vithal Cooperative Bank, Shri Krishna Co Op Bank Ltd- Bhiwapur Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's SHRI KRISHNA CO OP BANK LTD- BHIWAPUR branch in BHIWAPUR, MAHARASHTRA. The branch's IFSC code SVCB0037004 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR is SVCB0037004. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 037004 map to this branch in BHIWAPUR, MAHARASHTRA.

Branch details at a glance

Bank profile

The Shamrao Vithal Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shri Krishna Co Op Bank Ltd- Bhiwapur branch — IFSC SVCB0037004 — extends the bank's services to customers in and around Bhiwapur, Maharashtra.

About this branch

The branch is located at GAWARISHANKAR GUPTA COMPLEX, MAIN ROAD, BHIWAPUR- 441201. It serves the Bhiwapur 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 SVCB0037004 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Shamrao Vithal Cooperative Bank's SHRI KRISHNA CO OP BANK LTD- BHIWAPUR branch came to be assigned the code SVCB0037004.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC SVCB0037004, money simply cannot be routed to the SHRI KRISHNA CO OP BANK LTD- BHIWAPUR branch electronically.

How to transfer money using IFSC SVCB0037004

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 SVCB0037004 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, SHRI KRISHNA CO OP BANK LTD- BHIWAPUR using IFSC SVCB0037004

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 SVCB0037004, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SHRI KRISHNA CO OP BANK LTD- BHIWAPUR

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's SHRI KRISHNA CO OP BANK LTD- BHIWAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0037004 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 – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR, use IMPS. With IFSC SVCB0037004 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 SVCB0037004 for The Shamrao Vithal Cooperative Bank – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR, 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 Shri Krishna Co Op Bank Ltd- Bhiwapur 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 SVCB0037004

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 – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR is still mapped to IFSC SVCB0037004. 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 SVCB0037004 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shri Krishna Co Op Bank Ltd- Bhiwapur branch is mapped to IFSC SVCB0037004 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 SVCB0037004.

Products and services

Customers walking into the Shri Krishna Co Op Bank Ltd- Bhiwapur 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 SVCB0037004

MICR & cheque-truncation details

Cheques drawn on the Shri Krishna Co Op Bank Ltd- Bhiwapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0037004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SVCB0037004

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SHRI KRISHNA CO OP BANK LTD- BHIWAPUR 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 SVCB0037004 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.

Common mistakes to avoid when using IFSC SVCB0037004

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 Shamrao Vithal Cooperative Bank – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR, 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: SVCB0037004.
• 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.

Reaching the branch

The Shri Krishna Co Op Bank Ltd- Bhiwapur branch sits at GAWARISHANKAR GUPTA COMPLEX, MAIN ROAD, BHIWAPUR- 441201. If you are travelling from outside Bhiwapur, search for the branch on a maps application using the bank name and locality, or call 91-8600002119 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 SVCB0037004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0037004 for The Shamrao Vithal Cooperative Bank – SHRI KRISHNA CO OP BANK LTD- BHIWAPUR, 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 Shri Krishna Co Op Bank Ltd- Bhiwapur 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 SVCB0037004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0037004 is the IFSC code of The Shamrao Vithal Cooperative Bank, SHRI KRISHNA CO OP BANK LTD- BHIWAPUR branch, in BHIWAPUR, 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.