IFSC Code of The Shamrao Vithal Cooperative Bank, Wai Urban Coop Bk Ltd- Vashi Branch, Maharashtra

If you are searching for the IFSC code of The Shamrao Vithal Cooperative Bank, WAI URBAN COOP BK LTD- VASHI branch in NEW BOMBAY, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SVCB0016025. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the WAI URBAN COOP BK LTD- VASHI branch, and detailed step-by-step guides for using the IFSC SVCB0016025 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Shamrao Vithal Cooperative Bank – WAI URBAN COOP BK LTD- VASHI is SVCB0016025. The first four letters SVCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 016025 map to this branch in NEW BOMBAY, MAHARASHTRA.

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 Wai Urban Coop Bk Ltd- Vashi branch in New Bombay, Maharashtra is part of this network and uses the IFSC code SVCB0016025 for all electronic settlement.

Branch details at a glance

Wai Urban Coop Bk Ltd- Vashi branch overview

Located at APMC MARKET, SECTOR 19, CENTRAL BUILDING, GROUND FLOOR, DEVELOPMENT PHASE II, MARKET- 1, VASHI, NAVI MUMBAI- 400705, the Wai Urban Coop Bk Ltd- Vashi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0016025 is required for all interbank electronic transfers routed through this branch.

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 WAI URBAN COOP BK LTD- VASHI of The Shamrao Vithal Cooperative Bank — its own 11-character IFSC. The code SVCB0016025 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 SVCB0016025 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 Wai Urban Coop Bk Ltd- Vashi branch is mapped to IFSC SVCB0016025 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 SVCB0016025.

Products and services

Customers walking into the Wai Urban Coop Bk Ltd- Vashi 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 SVCB0016025

How to transfer money using IFSC SVCB0016025

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 SVCB0016025 across all three.

How to use IFSC SVCB0016025 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 WAI URBAN COOP BK LTD- VASHI 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 SVCB0016025.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as WAI URBAN COOP BK LTD- VASHI.
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 SVCB0016025

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 – WAI URBAN COOP BK LTD- VASHI, ensure your bank's portal accepts IFSC SVCB0016025 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 – WAI URBAN COOP BK LTD- VASHI, use IMPS. With IFSC SVCB0016025 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 Wai Urban Coop Bk Ltd- Vashi

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 SVCB0016025:

• 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 WAI URBAN COOP BK LTD- VASHI is still linked to IFSC SVCB0016025.

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.

UPI payments and IFSC SVCB0016025

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 – WAI URBAN COOP BK LTD- VASHI is still mapped to IFSC SVCB0016025. 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 SVCB0016025 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SVCB0016025

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the WAI URBAN COOP BK LTD- VASHI 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 SVCB0016025 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 Wai Urban Coop Bk Ltd- Vashi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0016025 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 SVCB0016025

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 – WAI URBAN COOP BK LTD- VASHI, 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: SVCB0016025.
• 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 Wai Urban Coop Bk Ltd- Vashi branch sits at APMC MARKET, SECTOR 19, CENTRAL BUILDING, GROUND FLOOR, DEVELOPMENT PHASE II, MARKET- 1, VASHI, NAVI MUMBAI- 400705. If you are travelling from outside New Bombay, search for the branch on a maps application using the bank name and locality, or call 22-27830177 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 SVCB0016025 and your account number.

Verifying IFSC SVCB0016025 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 SVCB0016025 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-27830177.
• Visiting the bank's official branch locator page.

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 Wai Urban Coop Bk Ltd- Vashi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0016025, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0016025 belongs to The Shamrao Vithal Cooperative Bank's WAI URBAN COOP BK LTD- VASHI branch, located at APMC MARKET, SECTOR 19, CENTRAL BUILDING, GROUND FLOOR, DEVELOPMENT PHASE II,… in NEW BOMBAY, 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.