Vidya Sahakari Bank
Vidya Sahakari Bank IMPS BRANCH
+912024454936
Understanding IFSC Code: The Digital DNA of Vidya Sahakari Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Vidya Sahakari Bank IMPS
branch of Vidya Sahakari Bank, the code SVCB0003002 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 SVCB0003002 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SVCB" represents Vidya Sahakari Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Vidya Sahakari Bank IMPS
Payment Systems Supported by SVCB0003002
| 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—411171002—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 Vidya Sahakari Bank in PUNE typically follows the RBI holiday calendar. Digital transfers via SVCB0003002 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 SVCB0003002 is the valid code for Vidya Sahakari Bank IMPS at PUNE, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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