Saraswat Co-operative Bank
SHIL ROAD- KALYAN WEST BRANCH
+912512971661
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 SHIL ROAD- KALYAN WEST
branch of Saraswat Co-operative Bank, the code SRCB0000445 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 SRCB0000445 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 SHIL ROAD- KALYAN WEST
Payment Systems Supported by SRCB0000445
| 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—400088145—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 KALYAN typically follows the RBI holiday calendar. Digital transfers via SRCB0000445 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 SRCB0000445 is the valid code for SHIL ROAD- KALYAN WEST at KALYAN, 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
- • SHIL ROAD- KALYAN WEST Contact
- • Address of Saraswat Co-operative Bank
- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
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- • IFSC Finder v2.0
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