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

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's SANGLI branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code SVCB0000205 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 – SANGLI is SVCB0000205. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000205 map to this branch in KOLHAPUR, MAHARASHTRA.

Bank profile

The Shamrao Vithal Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sangli branch — IFSC SVCB0000205 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

About this branch

The branch is located at G-3, BALAJI CELEBRATIONS, NEMINATH NAGAR, VISHRAM BAUG, SANGLI 416 415. It serves the Kolhapur 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 SVCB0000205 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 SANGLI of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0000205 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 SVCB0000205 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 SVCB0000205 and the account number together uniquely identify the Sangli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SVCB0000205

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 SVCB0000205 across all three.

How to use IFSC SVCB0000205 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 SANGLI 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 SVCB0000205.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as SANGLI.
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 SANGLI

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's SANGLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0000205 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 – SANGLI, use IMPS. With IFSC SVCB0000205 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 SVCB0000205 for The Shamrao Vithal Cooperative Bank – SANGLI, 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 Sangli 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 SVCB0000205

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 – SANGLI is still mapped to IFSC SVCB0000205. 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 SVCB0000205 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sangli branch

Once you have an account at The Shamrao Vithal Cooperative Bank – SANGLI, the IFSC SVCB0000205 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.

Products and services

Customers walking into the Sangli 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 SVCB0000205

Digital banking channels

Most day-to-day work that customers used to do at the Sangli 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 SVCB0000205 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.

Reaching the branch

The Sangli branch sits at G-3, BALAJI CELEBRATIONS, NEMINATH NAGAR, VISHRAM BAUG, SANGLI 416 415. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 233-2304449 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 SVCB0000205 and your account number.

Common mistakes to avoid when using IFSC SVCB0000205

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 – SANGLI, 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: SVCB0000205.
• 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.

Working hours

Branch counters at Sangli 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 SVCB0000205 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0000205 for The Shamrao Vithal Cooperative Bank – SANGLI, 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 SVCB0000205 belongs to The Shamrao Vithal Cooperative Bank's SANGLI branch, located at G-3, BALAJI CELEBRATIONS, NEMINATH NAGAR, VISHRAM BAUG, SANGLI 416 415 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.