IFSC Code of The Shamrao Vithal Cooperative Bank, Pandurangwadi, Goregaon ,E Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's PANDURANGWADI, GOREGAON ,E branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SVCB0000082 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, SVCB0000082 is the IFSC of The Shamrao Vithal Cooperative Bank's PANDURANGWADI, GOREGAON ,E branch. The format is fixed: SVCB = bank code, 0 = reserved, 000082 = branch identifier.

Branch details at a glance

Bank profile

The Shamrao Vithal Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pandurangwadi, Goregaon ,E branch — IFSC SVCB0000082 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at GROUND FLOOR, MURARRAO RANE HIGH SCHOOL BLDG., ROAD NO.3, PANDURANGWADI, GOREGAON (E), MUMBAI 400063.. It serves the Mumbai 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 SVCB0000082 is used to identify this branch on the RBI payments network.

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 PANDURANGWADI, GOREGAON ,E branch came to be assigned the code SVCB0000082.

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 SVCB0000082, money simply cannot be routed to the PANDURANGWADI, GOREGAON ,E branch electronically.

How to transfer money using IFSC SVCB0000082

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 SVCB0000082 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, PANDURANGWADI, GOREGAON ,E using IFSC SVCB0000082

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 SVCB0000082, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – PANDURANGWADI, GOREGAON ,E. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SVCB0000082

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 – PANDURANGWADI, GOREGAON ,E, ensure your bank's portal accepts IFSC SVCB0000082 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Shamrao Vithal Cooperative Bank PANDURANGWADI, GOREGAON ,E (IFSC SVCB0000082)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0000082 in your mobile or internet banking app, and the money is credited to the PANDURANGWADI, GOREGAON ,E branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pandurangwadi, Goregaon ,E

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 SVCB0000082:

• 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 PANDURANGWADI, GOREGAON ,E is still linked to IFSC SVCB0000082.

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.

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 PANDURANGWADI, GOREGAON ,E branch, the IFSC SVCB0000082 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 Pandurangwadi, Goregaon ,E branch

Once you have an account at The Shamrao Vithal Cooperative Bank – PANDURANGWADI, GOREGAON ,E, the IFSC SVCB0000082 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 Pandurangwadi, Goregaon ,E 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 SVCB0000082

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 SVCB0000082 and the account number together uniquely identify the Pandurangwadi, Goregaon ,E 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 Pandurangwadi, Goregaon ,E 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 SVCB0000082 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.

Common mistakes to avoid when using IFSC SVCB0000082

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 – PANDURANGWADI, GOREGAON ,E, 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: SVCB0000082.
• 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.

How to reach the Pandurangwadi, Goregaon ,E branch

The branch is located at GROUND FLOOR, MURARRAO RANE HIGH SCHOOL BLDG., ROAD NO.3, PANDURANGWADI, GOREGAON (E), MUMBAI 400063., 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 Pandurangwadi, Goregaon ,E branch” — the verified location pin for IFSC SVCB0000082 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28712145 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 SVCB0000082 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0000082 for The Shamrao Vithal Cooperative Bank – PANDURANGWADI, GOREGAON ,E, 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 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 Pandurangwadi, Goregaon ,E branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0000082, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0000082 belongs to The Shamrao Vithal Cooperative Bank's PANDURANGWADI, GOREGAON ,E branch, located at GROUND FLOOR, MURARRAO RANE HIGH SCHOOL BLDG., ROAD NO.3, PANDURANGWADI,… 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.