IFSC Code of The Shamrao Vithal Cooperative Bank, Bharati Sahakari Bank- Worli 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- WORLI branch in MUMBAI. The 11-digit IFSC SVCB0010021 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- WORLI 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 BANK- WORLI is SVCB0010021. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 010021 map to this branch in MUMBAI, MAHARASHTRA.

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- Worli branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SVCB0010021 for all electronic settlement.

About the Bharati Sahakari Bank- Worli branch

The Bharati Sahakari Bank- Worli branch of The Shamrao Vithal Cooperative Bank is situated at SUKHADA CO-OP HOUSING SOCIETY, SHOP NO.6, SIR POCHKHANWALA RD, OPP. RTO OFFICE, WORLI, MUMBAI- 400030. 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 SVCB0010021 is used.

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 BANK- WORLI of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0010021 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 SVCB0010021 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 SVCB0010021 and the account number together uniquely identify the Bharati Sahakari Bank- Worli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SVCB0010021

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 SVCB0010021 across all three.

How to use IFSC SVCB0010021 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 BANK- WORLI 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 SVCB0010021.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as BHARATI SAHAKARI BANK- WORLI.
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 SVCB0010021

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 – BHARATI SAHAKARI BANK- WORLI, ensure your bank's portal accepts IFSC SVCB0010021 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Shamrao Vithal Cooperative Bank BHARATI SAHAKARI BANK- WORLI (IFSC SVCB0010021)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0010021 in your mobile or internet banking app, and the money is credited to the BHARATI SAHAKARI BANK- WORLI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SVCB0010021 for The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BANK- WORLI, 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 Bharati Sahakari Bank- Worli 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 SVCB0010021

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- WORLI is still mapped to IFSC SVCB0010021. 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 SVCB0010021 and the beneficiary's account number to complete the transfer.

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

Once you have an account at The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BANK- WORLI, the IFSC SVCB0010021 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 Bharati Sahakari Bank- Worli 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 SVCB0010021

Online banking and IFSC SVCB0010021

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 BANK- WORLI 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 SVCB0010021 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.

Reaching the branch

The Bharati Sahakari Bank- Worli branch sits at SUKHADA CO-OP HOUSING SOCIETY, SHOP NO.6, SIR POCHKHANWALA RD, OPP. RTO OFFICE, WORLI, MUMBAI- 400030. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-7208269947 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 SVCB0010021 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 BANK- WORLI:

• The IFSC is exactly SVCB0010021 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- WORLI 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 Bank- Worli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0010021, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0010021 for The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BANK- WORLI, 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 SVCB0010021 belongs to The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BANK- WORLI branch, located at SUKHADA CO-OP HOUSING SOCIETY, SHOP NO.6, SIR POCHKHANWALA RD, OPP. RTO… in MUMBAI, 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.