Saraswat Co Operative Bank Credit Card Cell IFSC Code
Saraswat Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Credit Card Cell
Address
Madhushree, Plot No.85, Istrict Business Centre, Vashi, Navi Mumbai, Pin-400703
View on Google MapsDistrict
Navi Mumbai
State
Maharashtra
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Other Saraswat Co Operative Bank Branches in Navi Mumbai
3 nearby branches — click to view IFSC
I.t. Department (madhushree - 0417)
Madhushree, Plot No.85, District Business Centre, Vashi, Navi Mumbai, Pin-400703
Sub Zone Ii (business Center Sector 17 Va - 0460)
Second Floor, Madhushree, Plot No.85, District Business Center,sector 17,vashi
Ghansoli (no 11 Sector No 11 - 0484)
Shop No 13 14 15 Satyam Imperial Heights Chs Lotd Plot No 11 Sector No 11 Ghansoli Navi Mumbai 400701
Frequently Asked Questions
About Saraswat Co Operative Bank Credit Card Cell (madhushree - 0455), Navi Mumbai
The IFSC code SRCB0000455 (lowercase: srcb0000455) belongs to Saraswat Co Operative Bank, specifically the Credit Card Cell (madhushree - 0455) branch located in Navi Mumbai, Maharashtra.
The 5th character in the IFSC code SRCB0000455 is a zero (0), not the letter 'O'. The correct format is SRCB0000455 (lowercase: srcb0000455), and not SRCBO000455. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Saraswat Co Operative Bank Credit Card Cell (madhushree - 0455) in Navi Mumbai, Maharashtra is SRCB0000455. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Saraswat Co Operative Bank Credit Card Cell (madhushree - 0455) is located at Madhushree, Plot No.85, Istrict Business Centre, Vashi, Navi Mumbai, Pin-400703, Navi Mumbai, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Saraswat Co Operative Bank Credit Card Cell (madhushree - 0455) in Navi Mumbai is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code SRCB0000455 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code SRCB0000455 by checking: (1) The top-left corner of any Saraswat Co Operative Bank Credit Card Cell (madhushree - 0455) cheque leaf, (2) The first page of your Saraswat Co Operative Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: SRCB0000455
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
SRCB0000455
What Each Part Means
- Bank Code — SRCB
- The first 4 characters uniquely identify Saraswat Co Operative Bank at the national level. Every branch of Saraswat Co Operative Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000455
- The final 6 characters 000455 uniquely identify this specific branch within the Saraswat Co Operative Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | SRCB | Identifies Saraswat Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000455 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Saraswat Co Operative Bank
Credit Card Cell (madhushree - 0455), Navi Mumbai, Maharashtra
Cheque No.
00000455
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | SRCB0000455 | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.