IFSC Code of The Shamrao Vithal Cooperative Bank, Bhayander West Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's BHAYANDER WEST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SVCB0000039 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SVCB0000039 is the IFSC of The Shamrao Vithal Cooperative Bank's BHAYANDER WEST branch. The format is fixed: SVCB = bank code, 0 = reserved, 000039 = branch identifier.

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 Bhayander West branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SVCB0000039 for all electronic settlement.

Bhayander West branch overview

Located at GOVIND BLDG,SALASAR BRIJ BHOOMI,150FT ROAD,NEXT TO RELIANCE FRESH,NEAR FLYOVER, BHAYANDER WEST -401 101, the Bhayander West branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0000039 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 BHAYANDER WEST branch came to be assigned the code SVCB0000039.

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 SVCB0000039, money simply cannot be routed to the BHAYANDER WEST branch electronically.

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 SVCB0000039 and the account number together uniquely identify the Bhayander West branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SVCB0000039

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 SVCB0000039 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, BHAYANDER WEST using IFSC SVCB0000039

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 SVCB0000039, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – BHAYANDER WEST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAYANDER WEST

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's BHAYANDER WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0000039 while initiating the transfer and the credit will appear within minutes.

IMPS to The Shamrao Vithal Cooperative Bank BHAYANDER WEST (IFSC SVCB0000039)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0000039 in your mobile or internet banking app, and the money is credited to the BHAYANDER WEST branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhayander West

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 SVCB0000039:

• 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 BHAYANDER WEST is still linked to IFSC SVCB0000039.

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 SVCB0000039

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 – BHAYANDER WEST is still mapped to IFSC SVCB0000039. 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 SVCB0000039 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhayander West branch

Once you have an account at The Shamrao Vithal Cooperative Bank – BHAYANDER WEST, the IFSC SVCB0000039 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 Bhayander West 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 SVCB0000039

Digital banking channels

Most day-to-day work that customers used to do at the Bhayander West 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 SVCB0000039 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.

How to reach the Bhayander West branch

The branch is located at GOVIND BLDG,SALASAR BRIJ BHOOMI,150FT ROAD,NEXT TO RELIANCE FRESH,NEAR FLYOVER, BHAYANDER WEST -401 101, which puts it inside Mumbai, the broader Greater Bombay 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 Bhayander West branch” — the verified location pin for IFSC SVCB0000039 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28193055 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 SVCB0000039 and your account number.

Common mistakes to avoid when using IFSC SVCB0000039

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 – BHAYANDER WEST, 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: SVCB0000039.
• 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 Bhayander West 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 SVCB0000039 continue to work without interruption.

Verifying IFSC SVCB0000039 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SVCB0000039 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28193055.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0000039 belongs to The Shamrao Vithal Cooperative Bank's BHAYANDER WEST branch, located at GOVIND BLDG,SALASAR BRIJ BHOOMI,150FT ROAD,NEXT TO RELIANCE FRESH,NEAR… 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.