IFSC Code of The Shamrao Vithal Cooperative Bank, Sircilla Urban Bk Sircilla Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Shamrao Vithal Cooperative Bank, SIRCILLA URBAN BK SIRCILLA branch in SIRCILLA. The 11-digit IFSC SVCB0025002 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 SIRCILLA URBAN BK SIRCILLA 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.

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 SIRCILLA URBAN BK SIRCILLA branch, the IFSC SVCB0025002 breaks down as follows: SVCB identifies the bank, 0 is the reserved character, and 025002 identifies this particular branch.

Bank profile

The Shamrao Vithal Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sircilla Urban Bk Sircilla branch — IFSC SVCB0025002 — extends the bank's services to customers in and around Sircilla, Andhra Pradesh.

Branch details at a glance

Sircilla Urban Bk Sircilla branch overview

Located at H NO 6 6 95,THSIL ROAD,POST SIRCILLA,DIST KARIMNAGAR,505301, the Sircilla Urban Bk Sircilla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SVCB0025002 is required for all interbank electronic transfers routed through this branch.

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 SIRCILLA URBAN BK SIRCILLA branch came to be assigned the code SVCB0025002.

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 SVCB0025002, money simply cannot be routed to the SIRCILLA URBAN BK SIRCILLA branch electronically.

Products and account variants supported

Every account opened at the Sircilla Urban Bk Sircilla branch is mapped to IFSC SVCB0025002 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 SVCB0025002.

Banking services available

The Sircilla Urban Bk Sircilla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8723-232241.

• 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 SVCB0025002

How to transfer money using IFSC SVCB0025002

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 SVCB0025002 across all three.

How to use IFSC SVCB0025002 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 SIRCILLA URBAN BK SIRCILLA 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 SVCB0025002.
4. Confirm the bank name auto-populates as The Shamrao Vithal Cooperative Bank and the branch as SIRCILLA URBAN BK SIRCILLA.
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 SIRCILLA URBAN BK SIRCILLA

If you need to transfer ₹2 lakh or more in one go to an account at The Shamrao Vithal Cooperative Bank's SIRCILLA URBAN BK SIRCILLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SVCB0025002 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 – SIRCILLA URBAN BK SIRCILLA, use IMPS. With IFSC SVCB0025002 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 Sircilla Urban Bk Sircilla

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 SVCB0025002:

• 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 SIRCILLA URBAN BK SIRCILLA is still linked to IFSC SVCB0025002.

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 SVCB0025002

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 – SIRCILLA URBAN BK SIRCILLA is still mapped to IFSC SVCB0025002. 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 SVCB0025002 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SVCB0025002

The Shamrao Vithal Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the SIRCILLA URBAN BK SIRCILLA 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 SVCB0025002 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 Sircilla Urban Bk Sircilla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SVCB0025002 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 SVCB0025002

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 – SIRCILLA URBAN BK SIRCILLA, 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: SVCB0025002.
• 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 Sircilla Urban Bk Sircilla branch sits at H NO 6 6 95,THSIL ROAD,POST SIRCILLA,DIST KARIMNAGAR,505301. If you are travelling from outside Sircilla, search for the branch on a maps application using the bank name and locality, or call 8723-232241 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 SVCB0025002 and your account number.

Verifying IFSC SVCB0025002 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 SVCB0025002 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8723-232241.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sircilla Urban Bk Sircilla 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 SVCB0025002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SVCB0025002 is the IFSC code of The Shamrao Vithal Cooperative Bank, SIRCILLA URBAN BK SIRCILLA branch, in SIRCILLA, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.