If you are searching for the IFSC code of The Shamrao Vithal Cooperative Bank, SAHYADRI SAHAKARI BANK-LALBAUG branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SVCB0013004. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SAHYADRI SAHAKARI BANK-LALBAUG branch, and detailed step-by-step guides for using the IFSC SVCB0013004 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, SVCB0013004 is the IFSC of The Shamrao Vithal Cooperative Bank's SAHYADRI SAHAKARI BANK-LALBAUG branch. The format is fixed: SVCB = bank code, 0 = reserved, 013004 = branch identifier.
About The Shamrao Vithal Cooperative Bank
The Shamrao Vithal Cooperative Bank operates a wide network of branches across India, including the Sahyadri Sahakari Bank-Lalbaug branch in Mumbai. 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, SVCB0013004.
Branch details at a glance
| Bank Name | The Shamrao Vithal Cooperative Bank |
|---|---|
| Branch | Sahyadri Sahakari Bank-Lalbaug |
| IFSC Code | SVCB0013004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PHANSE BUILDING, DR. B.A. ROAD, OPP. DIGVIJAY MILL, LALBAUG, MUMBAI -400 012 |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 24703583 |
Sahyadri Sahakari Bank-Lalbaug branch overview
Located at PHANSE BUILDING, DR. B.A. ROAD, OPP. DIGVIJAY MILL, LALBAUG, MUMBAI -400 012, the Sahyadri Sahakari Bank-Lalbaug branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0013004 is required for all interbank electronic transfers routed through this branch.
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 SAHYADRI SAHAKARI BANK-LALBAUG branch came to be assigned the code SVCB0013004.
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 SVCB0013004, money simply cannot be routed to the SAHYADRI SAHAKARI BANK-LALBAUG branch electronically.
Products and account variants supported
Every account opened at the Sahyadri Sahakari Bank-Lalbaug branch is mapped to IFSC SVCB0013004 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 SVCB0013004.
Banking services available
The Sahyadri Sahakari Bank-Lalbaug branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-24703583.
- 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 SVCB0013004
How to transfer money using IFSC SVCB0013004
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 SVCB0013004 across all three.
NEFT to The Shamrao Vithal Cooperative Bank, SAHYADRI SAHAKARI BANK-LALBAUG using IFSC SVCB0013004
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 SVCB0013004, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-LALBAUG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SAHYADRI SAHAKARI BANK-LALBAUG
If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's SAHYADRI SAHAKARI BANK-LALBAUG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0013004 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-LALBAUG, use IMPS. With IFSC SVCB0013004 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 SVCB0013004 for The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-LALBAUG, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SVCB0013004 | Yes – SVCB0013004 | Yes – SVCB0013004 |
For most retail customers crediting the Sahyadri Sahakari Bank-Lalbaug 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 SVCB0013004
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 – SAHYADRI SAHAKARI BANK-LALBAUG is still mapped to IFSC SVCB0013004. 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 SVCB0013004 and the beneficiary's account number to complete the transfer.
Online banking and IFSC SVCB0013004
The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SAHYADRI SAHAKARI BANK-LALBAUG 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 SVCB0013004 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.
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 SVCB0013004 and the account number together uniquely identify the Sahyadri Sahakari Bank-Lalbaug branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC SVCB0013004
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 – SAHYADRI SAHAKARI BANK-LALBAUG, 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:
SVCB0013004. - 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.
Reaching the branch
The Sahyadri Sahakari Bank-Lalbaug branch sits at PHANSE BUILDING, DR. B.A. ROAD, OPP. DIGVIJAY MILL, LALBAUG, MUMBAI -400 012. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-24703583 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 SVCB0013004 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SVCB0013004 for The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-LALBAUG, 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 Sahyadri Sahakari Bank-Lalbaug branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0013004, however, work 24x7.
Branch address & contact
The Shamrao Vithal Cooperative BankSahyadri Sahakari Bank-Lalbaug Branch
PHANSE BUILDING, DR. B.A. ROAD, OPP. DIGVIJAY MILL, LALBAUG, MUMBAI -400 012
Mumbai, Maharashtra
Phone: 22-24703583
IFSC: SVCB0013004
Frequently asked questions
Can I use IFSC SVCB0013004 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SVCB0013004 to send funds instantly.
How quickly will an NEFT transfer using SVCB0013004 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Shamrao Vithal Cooperative Bank – Sahyadri Sahakari Bank-Lalbaug reflect within 30 minutes.
Is IFSC SVCB0013004 the same for all accounts at Sahyadri Sahakari Bank-Lalbaug branch?
Yes. The IFSC SVCB0013004 is shared by every account held at The Shamrao Vithal Cooperative Bank's Sahyadri Sahakari Bank-Lalbaug branch. Only the account number changes from customer to customer.
Is IFSC SVCB0013004 valid for NEFT and RTGS?
Yes. IFSC SVCB0013004 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of The Shamrao Vithal Cooperative Bank Sahyadri Sahakari Bank-Lalbaug branch?
You can reach the branch at 22-24703583 during regular banking hours.
How do I add The Shamrao Vithal Cooperative Bank Sahyadri Sahakari Bank-Lalbaug as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SVCB0013004, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Sahyadri Sahakari Bank-Lalbaug branch but serve different purposes.
Summary
The IFSC code SVCB0013004 belongs to The Shamrao Vithal Cooperative Bank's SAHYADRI SAHAKARI BANK-LALBAUG branch, located at PHANSE BUILDING, DR. B.A. ROAD, OPP. DIGVIJAY MILL, LALBAUG, MUMBAI -400 012 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.
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