IFSC Code of The Shamrao Vithal Cooperative Bank, Chiplun Urban Bank-Guhagar Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Shamrao Vithal Cooperative Bank, CHIPLUN URBAN BANK-GUHAGAR branch in GUHAGAR. The 11-digit IFSC SVCB0006003 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Shamrao Vithal Cooperative Bank at the CHIPLUN URBAN BANK-GUHAGAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, SVCB0006003 is the IFSC of The Shamrao Vithal Cooperative Bank's CHIPLUN URBAN BANK-GUHAGAR branch. The format is fixed: SVCB = bank code, 0 = reserved, 006003 = branch identifier.

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 Chiplun Urban Bank-Guhagar branch in Guhagar. 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, SVCB0006003.

Chiplun Urban Bank-Guhagar branch overview

Located at NEAR GUHAGAR PANCHAYAT SAMITI, GUHAGAR PIN CODE NO.415703, the Chiplun Urban Bank-Guhagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0006003 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 CHIPLUN URBAN BANK-GUHAGAR of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0006003 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 SVCB0006003 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 SVCB0006003

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 SVCB0006003 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, CHIPLUN URBAN BANK-GUHAGAR using IFSC SVCB0006003

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 SVCB0006003, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – CHIPLUN URBAN BANK-GUHAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SVCB0006003

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 – CHIPLUN URBAN BANK-GUHAGAR, ensure your bank's portal accepts IFSC SVCB0006003 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Shamrao Vithal Cooperative Bank – CHIPLUN URBAN BANK-GUHAGAR, use IMPS. With IFSC SVCB0006003 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Chiplun Urban Bank-Guhagar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SVCB0006003:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHIPLUN URBAN BANK-GUHAGAR is still linked to IFSC SVCB0006003.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 Shamrao Vithal Cooperative Bank's CHIPLUN URBAN BANK-GUHAGAR branch, the IFSC SVCB0006003 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.

Products and account variants supported

Every account opened at the Chiplun Urban Bank-Guhagar branch is mapped to IFSC SVCB0006003 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 SVCB0006003.

Banking services available

The Chiplun Urban Bank-Guhagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2359-240222.

• 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 SVCB0006003

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 SVCB0006003 and the account number together uniquely identify the Chiplun Urban Bank-Guhagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SVCB0006003

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the CHIPLUN URBAN BANK-GUHAGAR 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 SVCB0006003 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 – CHIPLUN URBAN BANK-GUHAGAR:

• The IFSC is exactly SVCB0006003 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 CHIPLUN URBAN BANK-GUHAGAR 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 Chiplun Urban Bank-Guhagar branch sits at NEAR GUHAGAR PANCHAYAT SAMITI, GUHAGAR PIN CODE NO.415703. If you are travelling from outside Guhagar, search for the branch on a maps application using the bank name and locality, or call 2359-240222 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 SVCB0006003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0006003 for The Shamrao Vithal Cooperative Bank – CHIPLUN URBAN BANK-GUHAGAR, 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 Chiplun Urban Bank-Guhagar 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 SVCB0006003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0006003 belongs to The Shamrao Vithal Cooperative Bank's CHIPLUN URBAN BANK-GUHAGAR branch, located at NEAR GUHAGAR PANCHAYAT SAMITI, GUHAGAR PIN CODE NO.415703 in GUHAGAR, 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.