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

Below are the complete branch details for The Shamrao Vithal Cooperative Bank, KANDIVALI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SVCB0000019. 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 SVCB0000019 for The Shamrao Vithal Cooperative Bank – KANDIVALI — 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 – KANDIVALI is SVCB0000019. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000019 map to this branch in MUMBAI, 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 Kandivali branch in Mumbai, Maharashtra is part of this network and uses the IFSC code SVCB0000019 for all electronic settlement.

Kandivali branch overview

Located at 6 MANEK NAGAR,M G RD,KANDIVALI (W),MUMBAI-400 067, the Kandivali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0000019 is required for all interbank electronic transfers routed through this branch.

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 KANDIVALI of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0000019 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 SVCB0000019 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 SVCB0000019

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 SVCB0000019 across all three.

How to use IFSC SVCB0000019 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 KANDIVALI 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 SVCB0000019.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as KANDIVALI.
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 SVCB0000019

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 – KANDIVALI, ensure your bank's portal accepts IFSC SVCB0000019 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 – KANDIVALI, use IMPS. With IFSC SVCB0000019 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 SVCB0000019 for The Shamrao Vithal Cooperative Bank – KANDIVALI, 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 Kandivali 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 SVCB0000019

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 – KANDIVALI is still mapped to IFSC SVCB0000019. 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 SVCB0000019 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kandivali branch is mapped to IFSC SVCB0000019 on the RBI payments network. The branch generally supports the full retail product catalogue of The Shamrao Vithal Cooperative Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains SVCB0000019.

Banking services available

The Kandivali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-28634490.

• 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 SVCB0000019

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 SVCB0000019 and the account number together uniquely identify the Kandivali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kandivali 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 SVCB0000019 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.

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 – KANDIVALI:

• The IFSC is exactly SVCB0000019 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 KANDIVALI 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.

How to reach the Kandivali branch

The branch is located at 6 MANEK NAGAR,M G RD,KANDIVALI (W),MUMBAI-400 067, 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 Kandivali branch” — the verified location pin for IFSC SVCB0000019 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28634490 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 SVCB0000019 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0000019 for The Shamrao Vithal Cooperative Bank – KANDIVALI, 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 Kandivali 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 SVCB0000019 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0000019 is the IFSC code of The Shamrao Vithal Cooperative Bank, KANDIVALI branch, in MUMBAI, 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.