Question 1

What is the IFSC code SRCB0000539?

Accepted Answer

IFSC SRCB0000539 is the 11-character Indian Financial System Code assigned by the Reserve Bank of India to the Ludhiana branch of Saraswat Co-operative Bank in Ludhiana, Punjab. Use this code for NEFT, RTGS, IMPS, UPI transfers to this branch.

Question 2

Which bank and branch uses IFSC SRCB0000539?

Accepted Answer

IFSC SRCB0000539 belongs to Saraswat Co-operative Bank, Ludhiana branch located in Ludhiana, Punjab. The first four characters identify the bank and the last six characters identify the specific branch.

Question 3

Can I use IFSC SRCB0000539 for NEFT, RTGS, and IMPS transfers?

Accepted Answer

IFSC SRCB0000539 supports NEFT, RTGS, IMPS, UPI. You can use it for both small (NEFT) and high-value (RTGS) transfers, plus real-time IMPS and UPI payments. RTGS is typically used for transfers of ₹2,00,000 and above.

Question 4

How do I find the MICR code for the Ludhiana branch?

Accepted Answer

The MICR code for the Ludhiana branch of Saraswat Co-operative Bank is 141088002. MICR (Magnetic Ink Character Recognition) is a 9-digit code printed at the bottom of cheques using magnetic ink, and is used by the cheque clearing system in India.

Question 5

Is IFSC SRCB0000539 different from other Saraswat Co-operative Bank branches?

Accepted Answer

Yes. While the first four characters of an IFSC identify the bank (here, the bank code for Saraswat Co-operative Bank), the last six characters uniquely identify the Ludhiana branch. Every Saraswat Co-operative Bank branch in Ludhiana and across India has a different IFSC.

SRCB0000539

Branch Details

How to Use This IFSC Code

NEFT (National Electronic Funds Transfer)

RTGS (Real-Time Gross Settlement)

IMPS (Immediate Payment Service)

UPI

Banks in Ludhiana

Banking Products at Saraswat Co-operative Bank

Frequently Asked Questions