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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Shamrao Vithal Cooperative Bank, BHARATI SAHAKARI BANK-KOLHAPUR branch in KOLHAPUR. The 11-digit IFSC SVCB0010010 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 BANK-KOLHAPUR 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BANK-KOLHAPUR branch, the IFSC SVCB0010010 breaks down as follows: SVCB identifies the bank, 0 is the reserved character, and 010010 identifies this particular branch.

Branch details at a glance

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 Bharati Sahakari Bank-Kolhapur branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code SVCB0010010 for all electronic settlement.

About the Bharati Sahakari Bank-Kolhapur branch

The Bharati Sahakari Bank-Kolhapur branch of The Shamrao Vithal Cooperative Bank is situated at BHARATI VIDYAPEETH BHAVAN KADAMWADI, KOLHAPUR - 416 001.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SVCB0010010 is used.

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 BHARATI SAHAKARI BANK-KOLHAPUR branch came to be assigned the code SVCB0010010.

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 SVCB0010010, money simply cannot be routed to the BHARATI SAHAKARI BANK-KOLHAPUR branch electronically.

How to transfer money using IFSC SVCB0010010

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 SVCB0010010 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, BHARATI SAHAKARI BANK-KOLHAPUR using IFSC SVCB0010010

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 SVCB0010010, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BANK-KOLHAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHARATI SAHAKARI BANK-KOLHAPUR

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BANK-KOLHAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0010010 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 BANK-KOLHAPUR, use IMPS. With IFSC SVCB0010010 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 Bank-Kolhapur

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 SVCB0010010:

• 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 BANK-KOLHAPUR is still linked to IFSC SVCB0010010.

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 SVCB0010010

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 BANK-KOLHAPUR is still mapped to IFSC SVCB0010010. 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 SVCB0010010 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bharati Sahakari Bank-Kolhapur branch

Once you have an account at The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BANK-KOLHAPUR, the IFSC SVCB0010010 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.

Banking services available

The Bharati Sahakari Bank-Kolhapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2666759.

• 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 SVCB0010010

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 SVCB0010010 and the account number together uniquely identify the Bharati Sahakari Bank-Kolhapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Bharati Sahakari Bank-Kolhapur branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SVCB0010010 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 BANK-KOLHAPUR:

• The IFSC is exactly SVCB0010010 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 BANK-KOLHAPUR 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 Bharati Sahakari Bank-Kolhapur branch

The branch is located at BHARATI VIDYAPEETH BHAVAN KADAMWADI, KOLHAPUR - 416 001., which puts it inside Kolhapur, the broader Kolhapur 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 Bank-Kolhapur branch” — the verified location pin for IFSC SVCB0010010 should appear at the top of the results.
2. Confirm the branch is open by calling 231-2666759 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 SVCB0010010 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0010010 for The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BANK-KOLHAPUR, 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 Bharati Sahakari Bank-Kolhapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0010010, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0010010 belongs to The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BANK-KOLHAPUR branch, located at BHARATI VIDYAPEETH BHAVAN KADAMWADI, KOLHAPUR - 416 001. in KOLHAPUR, 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.