IFSC Code of The Shamrao Vithal Cooperative Bank, Guardian Bank -Geddalahalli Branch Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Shamrao Vithal Cooperative Bank, GUARDIAN BANK -GEDDALAHALLI BRANCH branch in KOTHANUR. The 11-digit IFSC SVCB0002003 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 GUARDIAN BANK -GEDDALAHALLI BRANCH 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 GUARDIAN BANK -GEDDALAHALLI BRANCH branch, the IFSC SVCB0002003 breaks down as follows: SVCB identifies the bank, 0 is the reserved character, and 002003 identifies this particular branch.

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 Guardian Bank -Geddalahalli Branch branch in Kothanur. 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, SVCB0002003.

About the Guardian Bank -Geddalahalli Branch branch

The Guardian Bank -Geddalahalli Branch branch of The Shamrao Vithal Cooperative Bank is situated at NO.38, BIRDS CAMPUS,GEDDALAHALLI, KOTHANUR POST,BANGALORE -560077. 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 SVCB0002003 is used.

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 GUARDIAN BANK -GEDDALAHALLI BRANCH of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0002003 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 SVCB0002003 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 SVCB0002003

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 SVCB0002003 across all three.

How to use IFSC SVCB0002003 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 GUARDIAN BANK -GEDDALAHALLI BRANCH 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 SVCB0002003.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as GUARDIAN BANK -GEDDALAHALLI BRANCH.
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 SVCB0002003

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 – GUARDIAN BANK -GEDDALAHALLI BRANCH, ensure your bank's portal accepts IFSC SVCB0002003 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 – GUARDIAN BANK -GEDDALAHALLI BRANCH, use IMPS. With IFSC SVCB0002003 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 SVCB0002003 for The Shamrao Vithal Cooperative Bank – GUARDIAN BANK -GEDDALAHALLI BRANCH, 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 Guardian Bank -Geddalahalli Branch 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.

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 GUARDIAN BANK -GEDDALAHALLI BRANCH branch, the IFSC SVCB0002003 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 Guardian Bank -Geddalahalli Branch branch

Once you have an account at The Shamrao Vithal Cooperative Bank – GUARDIAN BANK -GEDDALAHALLI BRANCH, the IFSC SVCB0002003 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 Guardian Bank -Geddalahalli Branch 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 SVCB0002003

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 SVCB0002003 and the account number together uniquely identify the Guardian Bank -Geddalahalli Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SVCB0002003

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the GUARDIAN BANK -GEDDALAHALLI BRANCH 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 SVCB0002003 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 – GUARDIAN BANK -GEDDALAHALLI BRANCH:

• The IFSC is exactly SVCB0002003 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 GUARDIAN BANK -GEDDALAHALLI BRANCH 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 Guardian Bank -Geddalahalli Branch branch sits at NO.38, BIRDS CAMPUS,GEDDALAHALLI, KOTHANUR POST,BANGALORE -560077. If you are travelling from outside Kothanur, search for the branch on a maps application using the bank name and locality, or call 80-28443982 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 SVCB0002003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0002003 for The Shamrao Vithal Cooperative Bank – GUARDIAN BANK -GEDDALAHALLI BRANCH, 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 Guardian Bank -Geddalahalli Branch 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 SVCB0002003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0002003 is the IFSC code of The Shamrao Vithal Cooperative Bank, GUARDIAN BANK -GEDDALAHALLI BRANCH branch, in KOTHANUR, KARNATAKA. 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.