IFSC Code of The Shamrao Vithal Cooperative Bank, Jaisinghpur Branch, Maharashtra

Below are the complete branch details for The Shamrao Vithal Cooperative Bank, JAISINGHPUR branch, located in KOLHAPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SVCB0000204. 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 SVCB0000204 for The Shamrao Vithal Cooperative Bank – JAISINGHPUR — 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 – JAISINGHPUR is SVCB0000204. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000204 map to this branch in KOLHAPUR, MAHARASHTRA.

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 Jaisinghpur branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code SVCB0000204 for all electronic settlement.

About the Jaisinghpur branch

The Jaisinghpur branch of The Shamrao Vithal Cooperative Bank is situated at GANDHI CHOWK, STATION ROAD, JAYSINGPUR, TALUKA SHIROL, DIST. KOLHAPUR - 416 101.. 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 SVCB0000204 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 JAISINGHPUR branch came to be assigned the code SVCB0000204.

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 SVCB0000204, money simply cannot be routed to the JAISINGHPUR branch electronically.

How to transfer money using IFSC SVCB0000204

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 SVCB0000204 across all three.

How to use IFSC SVCB0000204 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 JAISINGHPUR 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 SVCB0000204.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as JAISINGHPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SVCB0000204

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 – JAISINGHPUR, ensure your bank's portal accepts IFSC SVCB0000204 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Shamrao Vithal Cooperative Bank JAISINGHPUR (IFSC SVCB0000204)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0000204 in your mobile or internet banking app, and the money is credited to the JAISINGHPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jaisinghpur

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 SVCB0000204:

• 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 JAISINGHPUR is still linked to IFSC SVCB0000204.

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 JAISINGHPUR branch, the IFSC SVCB0000204 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.

Account types you can open at the Jaisinghpur branch

Once you have an account at The Shamrao Vithal Cooperative Bank – JAISINGHPUR, the IFSC SVCB0000204 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 Jaisinghpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2322-225245.

• 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 SVCB0000204

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 SVCB0000204 and the account number together uniquely identify the Jaisinghpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SVCB0000204

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the JAISINGHPUR 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 SVCB0000204 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 – JAISINGHPUR:

• The IFSC is exactly SVCB0000204 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 JAISINGHPUR 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 Jaisinghpur branch sits at GANDHI CHOWK, STATION ROAD, JAYSINGPUR, TALUKA SHIROL, DIST. KOLHAPUR - 416 101.. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 2322-225245 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 SVCB0000204 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0000204 for The Shamrao Vithal Cooperative Bank – JAISINGHPUR, 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 Jaisinghpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0000204, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0000204 is the IFSC code of The Shamrao Vithal Cooperative Bank, JAISINGHPUR branch, in KOLHAPUR, 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.