IFSC Code of The Shamrao Vithal Cooperative Bank, Sahyadri Sahakari Bank-Vithalwadi Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's SAHYADRI SAHAKARI BANK-VITHALWADI branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SVCB0013003 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Shamrao Vithal Cooperative Bank's SAHYADRI SAHAKARI BANK-VITHALWADI branch, the IFSC SVCB0013003 breaks down as follows: SVCB identifies the bank, 0 is the reserved character, and 013003 identifies this particular branch.

Bank profile

The Shamrao Vithal Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sahyadri Sahakari Bank-Vithalwadi branch — IFSC SVCB0013003 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Sahyadri Sahakari Bank-Vithalwadi branch

The Sahyadri Sahakari Bank-Vithalwadi branch of The Shamrao Vithal Cooperative Bank is situated at 94/96, BHAGWAN KALACHI WADI, BHULESHWAR MAR, MUMBAI -400 002. 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 SVCB0013003 is used.

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 SAHYADRI SAHAKARI BANK-VITHALWADI of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0013003 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 SVCB0013003 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Sahyadri Sahakari Bank-Vithalwadi branch is mapped to IFSC SVCB0013003 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 SVCB0013003.

Banking services available

The Sahyadri Sahakari Bank-Vithalwadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22425589.

• 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 SVCB0013003

How to transfer money using IFSC SVCB0013003

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 SVCB0013003 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, SAHYADRI SAHAKARI BANK-VITHALWADI using IFSC SVCB0013003

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 SVCB0013003, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-VITHALWADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SVCB0013003

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 – SAHYADRI SAHAKARI BANK-VITHALWADI, ensure your bank's portal accepts IFSC SVCB0013003 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 – SAHYADRI SAHAKARI BANK-VITHALWADI, use IMPS. With IFSC SVCB0013003 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 SVCB0013003 for The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-VITHALWADI, 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 Sahyadri Sahakari Bank-Vithalwadi 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.

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 SAHYADRI SAHAKARI BANK-VITHALWADI branch, the IFSC SVCB0013003 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.

Digital banking channels

Most day-to-day work that customers used to do at the Sahyadri Sahakari Bank-Vithalwadi 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 SVCB0013003 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.

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 SVCB0013003 and the account number together uniquely identify the Sahyadri Sahakari Bank-Vithalwadi 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 SVCB0013003

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-VITHALWADI, 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: SVCB0013003.
• 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 Sahyadri Sahakari Bank-Vithalwadi branch

The branch is located at 94/96, BHAGWAN KALACHI WADI, BHULESHWAR MAR, MUMBAI -400 002, 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 Sahyadri Sahakari Bank-Vithalwadi branch” — the verified location pin for IFSC SVCB0013003 should appear at the top of the results.
2. Confirm the branch is open by calling 22-22425589 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 SVCB0013003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0013003 for The Shamrao Vithal Cooperative Bank – SAHYADRI SAHAKARI BANK-VITHALWADI, 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 Sahyadri Sahakari Bank-Vithalwadi 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 SVCB0013003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0013003 is the IFSC code of The Shamrao Vithal Cooperative Bank, SAHYADRI SAHAKARI BANK-VITHALWADI 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.