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

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's SERVICE BRANCH branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SVCB0000014 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, SVCB0000014 is the IFSC of The Shamrao Vithal Cooperative Bank's SERVICE BRANCH branch. The format is fixed: SVCB = bank code, 0 = reserved, 000014 = branch identifier.

Branch details at a glance

About The Shamrao Vithal Cooperative Bank

The Shamrao Vithal Cooperative Bank operates a wide network of branches across India, including the Service Branch 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, SVCB0000014.

About the Service Branch branch

The Service Branch branch of The Shamrao Vithal Cooperative Bank is situated at S V C TOWER, NEHRU ROAD, SANTACRUZ MUMBAI 400055. 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 SVCB0000014 is used.

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 SERVICE BRANCH branch came to be assigned the code SVCB0000014.

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 SVCB0000014, money simply cannot be routed to the SERVICE BRANCH branch electronically.

How to transfer money using IFSC SVCB0000014

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 SVCB0000014 across all three.

How to use IFSC SVCB0000014 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 SERVICE BRANCH 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 SVCB0000014.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as SERVICE BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SERVICE BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's SERVICE BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0000014 while initiating the transfer and the credit will appear within minutes.

IMPS to The Shamrao Vithal Cooperative Bank SERVICE BRANCH (IFSC SVCB0000014)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0000014 in your mobile or internet banking app, and the money is credited to the SERVICE BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SVCB0000014 for The Shamrao Vithal Cooperative Bank – SERVICE BRANCH, 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 Service Branch 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 SERVICE BRANCH branch, the IFSC SVCB0000014 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.

Products and account variants supported

Every account opened at the Service Branch branch is mapped to IFSC SVCB0000014 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 SVCB0000014.

Products and services

Customers walking into the Service Branch 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 SVCB0000014

MICR & cheque-truncation details

Cheques drawn on the Service Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0000014 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SVCB0000014

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SERVICE BRANCH 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 SVCB0000014 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.

Common mistakes to avoid when using IFSC SVCB0000014

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 – SERVICE BRANCH, 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: SVCB0000014.
• 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 Service Branch branch

The branch is located at S V C TOWER, NEHRU ROAD, SANTACRUZ MUMBAI 400055, 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 Service Branch branch” — the verified location pin for IFSC SVCB0000014 should appear at the top of the results.
2. Confirm the branch is open by calling 22-71991201 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 SVCB0000014 and your account number.

Verifying IFSC SVCB0000014 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 SVCB0000014 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-71991201.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Service Branch 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 SVCB0000014 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0000014 belongs to The Shamrao Vithal Cooperative Bank's SERVICE BRANCH branch, located at S V C TOWER, NEHRU ROAD, SANTACRUZ MUMBAI 400055 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.