IFSC Code of The Shamrao Vithal Cooperative Bank, Bharati Sahakari Bk-Vadgaon Branch, Maharashtra

Below are the complete branch details for The Shamrao Vithal Cooperative Bank, BHARATI SAHAKARI BK-VADGAON branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SVCB0010004. 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 SVCB0010004 for The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BK-VADGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SVCB0010004 is the IFSC of The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BK-VADGAON branch. The format is fixed: SVCB = bank code, 0 = reserved, 010004 = 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 Bharati Sahakari Bk-Vadgaon branch in Pune, Maharashtra is part of this network and uses the IFSC code SVCB0010004 for all electronic settlement.

About this branch

The branch is located at SINHGAD ROAD, VADGAON-DHAIRY, PUNE 411 041.. It serves the Pune 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 SVCB0010004 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BHARATI SAHAKARI BK-VADGAON branch came to be assigned the code SVCB0010004.

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 SVCB0010004, money simply cannot be routed to the BHARATI SAHAKARI BK-VADGAON branch electronically.

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 SVCB0010004 and the account number together uniquely identify the Bharati Sahakari Bk-Vadgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SVCB0010004

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 SVCB0010004 across all three.

NEFT to The Shamrao Vithal Cooperative Bank, BHARATI SAHAKARI BK-VADGAON using IFSC SVCB0010004

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SVCB0010004, and confirm that the system picks up The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BK-VADGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SVCB0010004

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 – BHARATI SAHAKARI BK-VADGAON, ensure your bank's portal accepts IFSC SVCB0010004 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 – BHARATI SAHAKARI BK-VADGAON, use IMPS. With IFSC SVCB0010004 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 SVCB0010004 for The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BK-VADGAON, 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 Bharati Sahakari Bk-Vadgaon 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 BHARATI SAHAKARI BK-VADGAON branch, the IFSC SVCB0010004 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.

Account types you can open at the Bharati Sahakari Bk-Vadgaon branch

Once you have an account at The Shamrao Vithal Cooperative Bank – BHARATI SAHAKARI BK-VADGAON, the IFSC SVCB0010004 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Bharati Sahakari Bk-Vadgaon 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 SVCB0010004

Digital banking channels

Most day-to-day work that customers used to do at the Bharati Sahakari Bk-Vadgaon branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SVCB0010004 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Bharati Sahakari Bk-Vadgaon branch

The branch is located at SINHGAD ROAD, VADGAON-DHAIRY, PUNE 411 041., which puts it inside Pune, the broader Pune 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 Bharati Sahakari Bk-Vadgaon branch” — the verified location pin for IFSC SVCB0010004 should appear at the top of the results.
2. Confirm the branch is open by calling 20-24392190 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 SVCB0010004 and your account number.

Common mistakes to avoid when using IFSC SVCB0010004

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 – BHARATI SAHAKARI BK-VADGAON, 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: SVCB0010004.
• 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.

Working hours

Branch counters at Bharati Sahakari Bk-Vadgaon 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 SVCB0010004 continue to work without interruption.

Verifying IFSC SVCB0010004 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 SVCB0010004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-24392190.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0010004 belongs to The Shamrao Vithal Cooperative Bank's BHARATI SAHAKARI BK-VADGAON branch, located at SINHGAD ROAD, VADGAON-DHAIRY, PUNE 411 041. in PUNE, 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.