IFSC Code of The Shamrao Vithal Cooperative Bank, Sree Narayan Guru Coop Bk-Mulund Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Shamrao Vithal Cooperative Bank's SREE NARAYAN GURU COOP BK-MULUND branch in MUMBAI, MAHARASHTRA. The branch's IFSC code SVCB0020004 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, SVCB0020004 is the IFSC of The Shamrao Vithal Cooperative Bank's SREE NARAYAN GURU COOP BK-MULUND branch. The format is fixed: SVCB = bank code, 0 = reserved, 020004 = branch identifier.

Bank profile

The Shamrao Vithal Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sree Narayan Guru Coop Bk-Mulund branch — IFSC SVCB0020004 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

About the Sree Narayan Guru Coop Bk-Mulund branch

The Sree Narayan Guru Coop Bk-Mulund branch of The Shamrao Vithal Cooperative Bank is situated at 5, HANSA VILLA, J.J. ROAD, MULUND (W), MUMBAI - 400080. 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 SVCB0020004 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 SREE NARAYAN GURU COOP BK-MULUND branch came to be assigned the code SVCB0020004.

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 SVCB0020004, money simply cannot be routed to the SREE NARAYAN GURU COOP BK-MULUND branch electronically.

Products and account variants supported

Every account opened at the Sree Narayan Guru Coop Bk-Mulund branch is mapped to IFSC SVCB0020004 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 SVCB0020004.

Products and services

Customers walking into the Sree Narayan Guru Coop Bk-Mulund 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 SVCB0020004

How to transfer money using IFSC SVCB0020004

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 SVCB0020004 across all three.

How to use IFSC SVCB0020004 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 SREE NARAYAN GURU COOP BK-MULUND 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 SVCB0020004.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as SREE NARAYAN GURU COOP BK-MULUND.
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 SVCB0020004

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 – SREE NARAYAN GURU COOP BK-MULUND, ensure your bank's portal accepts IFSC SVCB0020004 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 – SREE NARAYAN GURU COOP BK-MULUND, use IMPS. With IFSC SVCB0020004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Sree Narayan Guru Coop Bk-Mulund

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 SVCB0020004:

• 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 SREE NARAYAN GURU COOP BK-MULUND is still linked to IFSC SVCB0020004.

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 SREE NARAYAN GURU COOP BK-MULUND branch, the IFSC SVCB0020004 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.

Online banking and IFSC SVCB0020004

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SREE NARAYAN GURU COOP BK-MULUND 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 SVCB0020004 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 SVCB0020004 and the account number together uniquely identify the Sree Narayan Guru Coop Bk-Mulund branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SREE NARAYAN GURU COOP BK-MULUND:

• The IFSC is exactly SVCB0020004 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 SREE NARAYAN GURU COOP BK-MULUND 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 Sree Narayan Guru Coop Bk-Mulund branch

The branch is located at 5, HANSA VILLA, J.J. ROAD, MULUND (W), MUMBAI - 400080, 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 Sree Narayan Guru Coop Bk-Mulund branch” — the verified location pin for IFSC SVCB0020004 should appear at the top of the results.
2. Confirm the branch is open by calling 22-25617575 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 SVCB0020004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0020004 for The Shamrao Vithal Cooperative Bank – SREE NARAYAN GURU COOP BK-MULUND, 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 Sree Narayan Guru Coop Bk-Mulund 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 SVCB0020004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0020004 belongs to The Shamrao Vithal Cooperative Bank's SREE NARAYAN GURU COOP BK-MULUND branch, located at 5, HANSA VILLA, J.J. ROAD, MULUND (W), MUMBAI - 400080 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.