To move funds into an account held at KURLA N S BANK GOVANDI (Saraswat Co-operative Bank) using NEFT, the sender's bank needs this branch's IFSC code — SRCB0KNS005. 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 KURLA N S BANK GOVANDI in MUMBAI, since each transfer is settled individually and immediately rather than bundled with others.
Need money at Saraswat Co-operative Bank, KURLA N S BANK GOVANDI right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.
NEFT & RTGS Timing — System Hours vs. Branch Hours
A distinction that matters if you're transferring to KURLA N S BANK GOVANDI: 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 KURLA N S BANK GOVANDI 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).
Here's how to send money to KURLA N S BANK GOVANDI using net banking or a UPI app:
Log in to your bank's net banking portal or mobile banking app.
Add a new beneficiary/payee, entering the recipient's full name and account number.
Enter the IFSC code SRCB0KNS005 when prompted — this routes the transfer to KURLA N S BANK GOVANDI specifically.
Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.
Frequently asked questions
What is the IFSC code of the Saraswat Co-operative Bank KURLA N S BANK GOVANDI branch?
The IFSC code for Saraswat Co-operative Bank's KURLA N S BANK GOVANDI branch in MUMBAI, MAHARASHTRA is SRCB0KNS005. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
What is the MICR code of this branch?
The MICR code for this branch is 400077005. MICR codes are used for cheque clearing, while the IFSC code (SRCB0KNS005) is what's needed for electronic transfers like NEFT and RTGS.
Where is the KURLA N S BANK GOVANDI branch of Saraswat Co-operative Bank located?
This branch is located at: SHILPSHREE APPARTMENT, OPP. PATAVARDHAN HIGH SCHOOL, GOVANDI STATION, MUMBAI 400 088. It falls under MUMBAI district, MAHARASHTRA.
Can I use this IFSC code for both NEFT and RTGS transfers?
Yes — the same IFSC code (SRCB0KNS005) 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.
Is there a phone number for this branch?
Yes, this branch's listed contact number is +912225580786.
Other Saraswat Co-operative Bank branches in MUMBAI
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.