IFSC Code of The Shamrao Vithal Cooperative Bank, Nashik Road Branch, Maharashtra

Below are the complete branch details for The Shamrao Vithal Cooperative Bank, NASHIK ROAD branch, located in NASHIK, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SVCB0000094. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SVCB0000094 for The Shamrao Vithal Cooperative Bank – NASHIK ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 NASHIK ROAD branch, the IFSC SVCB0000094 breaks down as follows: SVCB identifies the bank, 0 is the reserved character, and 000094 identifies this particular branch.

About The Shamrao Vithal Cooperative Bank

The Shamrao Vithal Cooperative Bank operates a wide network of branches across India, including the Nashik Road branch in Nashik. 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, SVCB0000094.

Branch details at a glance

About this branch

The branch is located at JDC BYTCO (ENGLISH MEDIUM) HIGH SCHOOL,NASHIK ROAD,NASHIK-422101. It serves the Nashik region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Shamrao Vithal Cooperative Bank. The IFSC SVCB0000094 is used to identify this branch on the RBI payments network.

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 NASHIK ROAD of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0000094 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 SVCB0000094 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 Nashik Road branch is mapped to IFSC SVCB0000094 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 SVCB0000094.

Products and services

Customers walking into the Nashik Road 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 SVCB0000094

How to transfer money using IFSC SVCB0000094

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 SVCB0000094 across all three.

How to use IFSC SVCB0000094 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 NASHIK ROAD 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 SVCB0000094.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as NASHIK ROAD.
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 NASHIK ROAD

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's NASHIK ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0000094 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 – NASHIK ROAD, use IMPS. With IFSC SVCB0000094 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 SVCB0000094 for The Shamrao Vithal Cooperative Bank – NASHIK ROAD, 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 Nashik Road 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 NASHIK ROAD branch, the IFSC SVCB0000094 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 SVCB0000094

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the NASHIK ROAD 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 SVCB0000094 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 SVCB0000094 and the account number together uniquely identify the Nashik Road 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 SVCB0000094

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 – NASHIK ROAD, 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: SVCB0000094.
• 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 Nashik Road branch sits at JDC BYTCO (ENGLISH MEDIUM) HIGH SCHOOL,NASHIK ROAD,NASHIK-422101. If you are travelling from outside Nashik, search for the branch on a maps application using the bank name and locality, or call 253-2461168 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 SVCB0000094 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SVCB0000094 for The Shamrao Vithal Cooperative Bank – NASHIK ROAD, 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 Nashik Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0000094, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0000094 belongs to The Shamrao Vithal Cooperative Bank's NASHIK ROAD branch, located at JDC BYTCO (ENGLISH MEDIUM) HIGH SCHOOL,NASHIK ROAD,NASHIK-422101 in NASHIK, 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.