IFSC Code of The Shamrao Vithal Cooperative Bank, Bharati Sahakari Bk-Malkapur Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Shamrao Vithal Cooperative Bank, BHARATI SAHAKARI BK-MALKAPUR branch in KARAD. The 11-digit IFSC SVCB0010014 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 BHARATI SAHAKARI BK-MALKAPUR 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.

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 – BHARATI SAHAKARI BK-MALKAPUR is SVCB0010014. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 010014 map to this branch in KARAD, MAHARASHTRA.

About The Shamrao Vithal Cooperative Bank

The Shamrao Vithal Cooperative Bank operates a wide network of branches across India, including the Bharati Sahakari Bk-Malkapur branch in Karad. 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, SVCB0010014.

About this branch

The branch is located at 240 A, JAIHIND PRIDE, NEAR SUYASH MANGAL KARYALAYA, SHASTRINAGAR, MALKAPUR, KARAD, TAL. KARAD, DIST. SARATA, PIN - 415 539.. It serves the Karad 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 SVCB0010014 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BHARATI SAHAKARI BK-MALKAPUR of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0010014 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 SVCB0010014 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 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 SVCB0010014 and the account number together uniquely identify the Bharati Sahakari Bk-Malkapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SVCB0010014

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 SVCB0010014 across all three.

How to use IFSC SVCB0010014 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 BHARATI SAHAKARI BK-MALKAPUR 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 SVCB0010014.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as BHARATI SAHAKARI BK-MALKAPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BHARATI SAHAKARI BK-MALKAPUR

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BK-MALKAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0010014 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 – BHARATI SAHAKARI BK-MALKAPUR, use IMPS. With IFSC SVCB0010014 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 Bharati Sahakari Bk-Malkapur

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 SVCB0010014:

• 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 BHARATI SAHAKARI BK-MALKAPUR is still linked to IFSC SVCB0010014.

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.

UPI payments and IFSC SVCB0010014

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 – BHARATI SAHAKARI BK-MALKAPUR is still mapped to IFSC SVCB0010014. 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 SVCB0010014 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bharati Sahakari Bk-Malkapur branch is mapped to IFSC SVCB0010014 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 SVCB0010014.

Banking services available

The Bharati Sahakari Bk-Malkapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2164-228885.

• 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 SVCB0010014

Online banking and IFSC SVCB0010014

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the BHARATI SAHAKARI BK-MALKAPUR 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 SVCB0010014 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 Bharati Sahakari Bk-Malkapur branch

The branch is located at 240 A, JAIHIND PRIDE, NEAR SUYASH MANGAL KARYALAYA, SHASTRINAGAR, MALKAPUR, KARAD, TAL. KARAD, DIST. SARATA, PIN - 415 539., which puts it inside Karad, the broader Satara district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Shamrao Vithal Cooperative Bank Bharati Sahakari Bk-Malkapur branch” — the verified location pin for IFSC SVCB0010014 should appear at the top of the results.
2. Confirm the branch is open by calling 2164-228885 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 SVCB0010014 and your account number.

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 – BHARATI SAHAKARI BK-MALKAPUR:

• The IFSC is exactly SVCB0010014 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 BHARATI SAHAKARI BK-MALKAPUR 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.

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 Bharati Sahakari Bk-Malkapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0010014, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0010014 for The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BK-MALKAPUR, 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 address & contact

Frequently asked questions

Summary

The IFSC code SVCB0010014 belongs to The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BK-MALKAPUR branch, located at 240 A, JAIHIND PRIDE, NEAR SUYASH MANGAL KARYALAYA, SHASTRINAGAR, MALKAPUR,… in KARAD, 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.