IFSC Code of The Shamrao Vithal Cooperative Bank, The Arya Vaishya Coop Bank Ltd- Nargund Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Shamrao Vithal Cooperative Bank, THE ARYA VAISHYA COOP BANK LTD- NARGUND branch in NARGUND. The 11-digit IFSC SVCB0052004 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Shamrao Vithal Cooperative Bank at the THE ARYA VAISHYA COOP BANK LTD- NARGUND location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, SVCB0052004 is the IFSC of The Shamrao Vithal Cooperative Bank's THE ARYA VAISHYA COOP BANK LTD- NARGUND branch. The format is fixed: SVCB = bank code, 0 = reserved, 052004 = branch identifier.

About the bank

The Shamrao Vithal Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Arya Vaishya Coop Bank Ltd- Nargund branch in Nargund, Karnataka is part of this network and uses the IFSC code SVCB0052004 for all electronic settlement.

Branch details at a glance

About the The Arya Vaishya Coop Bank Ltd- Nargund branch

The The Arya Vaishya Coop Bank Ltd- Nargund branch of The Shamrao Vithal Cooperative Bank is situated at NARGUND BRANCH, TMC ROAD, NARGUND- 582207. 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 SVCB0052004 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 THE ARYA VAISHYA COOP BANK LTD- NARGUND branch came to be assigned the code SVCB0052004.

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 SVCB0052004, money simply cannot be routed to the THE ARYA VAISHYA COOP BANK LTD- NARGUND branch electronically.

Products and account variants supported

Every account opened at the The Arya Vaishya Coop Bank Ltd- Nargund branch is mapped to IFSC SVCB0052004 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 SVCB0052004.

Banking services available

The The Arya Vaishya Coop Bank Ltd- Nargund branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8372-9739550176.

• 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 SVCB0052004

How to transfer money using IFSC SVCB0052004

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 SVCB0052004 across all three.

How to use IFSC SVCB0052004 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 THE ARYA VAISHYA COOP BANK LTD- NARGUND 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 SVCB0052004.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as THE ARYA VAISHYA COOP BANK LTD- NARGUND.
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 THE ARYA VAISHYA COOP BANK LTD- NARGUND

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's THE ARYA VAISHYA COOP BANK LTD- NARGUND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0052004 while initiating the transfer and the credit will appear within minutes.

IMPS to The Shamrao Vithal Cooperative Bank THE ARYA VAISHYA COOP BANK LTD- NARGUND (IFSC SVCB0052004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SVCB0052004 in your mobile or internet banking app, and the money is credited to the THE ARYA VAISHYA COOP BANK LTD- NARGUND branch account within seconds.

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

All three modes accept the IFSC SVCB0052004 for The Shamrao Vithal Cooperative Bank – THE ARYA VAISHYA COOP BANK LTD- NARGUND, 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 The Arya Vaishya Coop Bank Ltd- Nargund 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 SVCB0052004

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 – THE ARYA VAISHYA COOP BANK LTD- NARGUND is still mapped to IFSC SVCB0052004. 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 SVCB0052004 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SVCB0052004

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the THE ARYA VAISHYA COOP BANK LTD- NARGUND 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 SVCB0052004 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 & cheque-truncation details

Cheques drawn on the The Arya Vaishya Coop Bank Ltd- Nargund branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0052004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC SVCB0052004

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 – THE ARYA VAISHYA COOP BANK LTD- NARGUND, 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: SVCB0052004.
• 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 The Arya Vaishya Coop Bank Ltd- Nargund branch

The branch is located at NARGUND BRANCH, TMC ROAD, NARGUND- 582207, which puts it inside Nargund, the broader Gadag district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “The Shamrao Vithal Cooperative Bank The Arya Vaishya Coop Bank Ltd- Nargund branch” — the verified location pin for IFSC SVCB0052004 should appear at the top of the results.
2. Confirm the branch is open by calling 8372-9739550176 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 SVCB0052004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0052004 for The Shamrao Vithal Cooperative Bank – THE ARYA VAISHYA COOP BANK LTD- NARGUND, 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 The Arya Vaishya Coop Bank Ltd- Nargund branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0052004, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0052004 belongs to The Shamrao Vithal Cooperative Bank's THE ARYA VAISHYA COOP BANK LTD- NARGUND branch, located at NARGUND BRANCH, TMC ROAD, NARGUND- 582207 in NARGUND, KARNATAKA. 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.