IFSC Code of The Shamrao Vithal Cooperative Bank, Chiplun Urban Bank-Ratnagiri Branch, Maharashtra

If you are searching for the IFSC code of The Shamrao Vithal Cooperative Bank, CHIPLUN URBAN BANK-RATNAGIRI branch in RATNAGIRI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is SVCB0006013. 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 CHIPLUN URBAN BANK-RATNAGIRI branch, and detailed step-by-step guides for using the IFSC SVCB0006013 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.

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, SVCB0006013 is the IFSC of The Shamrao Vithal Cooperative Bank's CHIPLUN URBAN BANK-RATNAGIRI branch. The format is fixed: SVCB = bank code, 0 = reserved, 006013 = 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 Chiplun Urban Bank-Ratnagiri branch — IFSC SVCB0006013 — extends the bank's services to customers in and around Ratnagiri, Maharashtra.

Chiplun Urban Bank-Ratnagiri branch overview

Located at JAVKAR PLAZA, BLOCK NO.12&13,NEAR JAYSTAMBH, RATNAGIRI - 415 612, the Chiplun Urban Bank-Ratnagiri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0006013 is required for all interbank electronic transfers routed through this branch.

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 CHIPLUN URBAN BANK-RATNAGIRI branch came to be assigned the code SVCB0006013.

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 SVCB0006013, money simply cannot be routed to the CHIPLUN URBAN BANK-RATNAGIRI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Chiplun Urban Bank-Ratnagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0006013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SVCB0006013

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 SVCB0006013 across all three.

How to use IFSC SVCB0006013 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 CHIPLUN URBAN BANK-RATNAGIRI 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 SVCB0006013.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as CHIPLUN URBAN BANK-RATNAGIRI.
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 SVCB0006013

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 – CHIPLUN URBAN BANK-RATNAGIRI, ensure your bank's portal accepts IFSC SVCB0006013 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 – CHIPLUN URBAN BANK-RATNAGIRI, use IMPS. With IFSC SVCB0006013 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 Chiplun Urban Bank-Ratnagiri

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 SVCB0006013:

• 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 CHIPLUN URBAN BANK-RATNAGIRI is still linked to IFSC SVCB0006013.

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 CHIPLUN URBAN BANK-RATNAGIRI branch, the IFSC SVCB0006013 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.

Products and account variants supported

Every account opened at the Chiplun Urban Bank-Ratnagiri branch is mapped to IFSC SVCB0006013 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 SVCB0006013.

Products and services

Customers walking into the Chiplun Urban Bank-Ratnagiri 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 SVCB0006013

Digital banking channels

Most day-to-day work that customers used to do at the Chiplun Urban Bank-Ratnagiri 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 SVCB0006013 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.

Reaching the branch

The Chiplun Urban Bank-Ratnagiri branch sits at JAVKAR PLAZA, BLOCK NO.12&13,NEAR JAYSTAMBH, RATNAGIRI - 415 612. If you are travelling from outside Ratnagiri, search for the branch on a maps application using the bank name and locality, or call 2352-220633 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 SVCB0006013 and your account number.

Common mistakes to avoid when using IFSC SVCB0006013

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 – CHIPLUN URBAN BANK-RATNAGIRI, 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: SVCB0006013.
• 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.

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 Chiplun Urban Bank-Ratnagiri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SVCB0006013, however, work 24x7.

Verifying IFSC SVCB0006013 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 SVCB0006013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2352-220633.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SVCB0006013 belongs to The Shamrao Vithal Cooperative Bank's CHIPLUN URBAN BANK-RATNAGIRI branch, located at JAVKAR PLAZA, BLOCK NO.12&13,NEAR JAYSTAMBH, RATNAGIRI - 415 612 in RATNAGIRI, 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.