THANE, MAHARASHTRA
IFSC Code
SRCB0000445
MICR Code
400088145
Branch
SHIL ROAD- KALYAN WEST
Bank
Saraswat Co-operative Bank
District
KALYAN
State
MAHARASHTRA
Contact
+912512971661
Address
SHOP NO. A-3 CHARMS STAR,BAIL BAZAR,NEAR DMART, KALYAN - 421301
To move funds into an account held at SHIL ROAD- KALYAN WEST (Saraswat Co-operative Bank) using NEFT, the sender's bank needs this branch's IFSC code — SRCB0000445. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.
RTGS is the go-to option when transferring large sums (₹2 lakh+) to SHIL ROAD- KALYAN WEST in THANE, since each transfer is settled individually and immediately rather than bundled with others.
Need money at Saraswat Co-operative Bank, SHIL ROAD- KALYAN WEST right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.
A distinction that matters if you're transferring to SHIL ROAD- KALYAN WEST: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
| Method | System Hours | If Visiting SHIL ROAD- KALYAN WEST In Person |
|---|---|---|
| NEFT | 24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019) | Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours. |
| RTGS | 24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020) | Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests. |
| IMPS | 24x7x365 — always has been, no banking-hours restriction at the system level. | Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh). |
The IFSC code for Saraswat Co-operative Bank's SHIL ROAD- KALYAN WEST branch in THANE, KALYAN, MAHARASHTRA is SRCB0000445. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 400088145. MICR codes are used for cheque clearing, while the IFSC code (SRCB0000445) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: SHOP NO. A-3 CHARMS STAR,BAIL BAZAR,NEAR DMART, KALYAN - 421301. It falls under KALYAN district, MAHARASHTRA.
Yes — the same IFSC code (SRCB0000445) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
Yes, this branch's listed contact number is +912512971661.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.