Saraswat Co-operative Bank
BHAYANDER ,WEST BRANCH
+912228186905
Understanding IFSC Code: The Digital DNA of Saraswat Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the BHAYANDER ,WEST
branch of Saraswat Co-operative Bank, the code SRCB0000142 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SRCB0000142 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SRCB" represents Saraswat Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for BHAYANDER ,WEST
Payment Systems Supported by SRCB0000142
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—400088070—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Saraswat Co-operative Bank in MIRA-BHAYANDAR typically follows the RBI holiday calendar. Digital transfers via SRCB0000142 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SRCB0000142 is the valid code for BHAYANDER ,WEST at MIRA-BHAYANDAR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • BHAYANDER ,WEST Contact
- • Address of Saraswat Co-operative Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
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- • Webmaster Tools
- • IFSC Finder v2.0
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