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Vishweshwar Sahakari Bank IFSC and MICR Code:

State wise list of Vishweshwar Sahakari Bank IFSC code, MICR code and addresses of all branches in India

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Vishweshwar Sahakari Bank IFSC Code:

In the present banking world, payment settlements are being done electronically through fast and secure online channels. The use of electronic fund transfers enable a seamless banking experience. No more extended bank visits, cheque deposits, and demand draft couriers. Introduced by the Reserve Bank of India (RBI), National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) are two most efficient electronic fund transfer modes. Use of these both services have significantly reduced the money settlement time. If you need to transfer money to someone from your bank account to another within India, an electronic fund transfer through your bank is the best option. RBI has introduced a unique code required during the NEFT and RTGS processes for identification of the sender and recipient bank. Vishweshwar Sahakari Bank offers both NEFT and RTGS to its customers.

RBI’s reason for introduction of a code to ensure a smooth online money transfer was to regulate the process. The code is labelled the Indian Financial System Code (IFSC) and comprises of both alphabets and numbers. It is made up of 11 characters and each set of character holds the identification for the bank as well as the specific branch in question. The first four characters signify the name of the bank, the fifth character is by default zero (0) and the last six characters are used to identify the branch of the bank.

For instance, VSBL0000016 is the IFSC code of Nipani branch of Vishweshwar Sahakari Bank of Belgaum, Karnataka. Here, ‘VSBL’ in the code stands for The Vishweshwar Sahakari Bank Ltd. and ‘000016’ stands for Nipani branch. The fifth character as already mentioned is zero (0).

How to Search for IFSC and MICR Codes of Vishweshwar Sahakari Bank?

Offline, there are many ways of finding the IFSC and MICR codes of Vishweshwar Sahakari Bank. The easiest place to search for the specific bank branch’s IFSC code is the cheque book issued by Vishweshwar Bank. You can also visit your branch personally or call the bank to find out the IFSC or MICR codes or both.

Online, Vishweshwar Sahakari bank’s official website has a page named ‘RTGS and NEFT’, which gives you the entire list of its branches, along with the respective IFSC and MICR codes. RBI’s official site also will have all the IFSC and MICR codes of all branches in the NEFT/RTGS network. Other third-party websites such as BankBazaar also carries a lot of information on all banks under RBI. You can easily visit BankBazaar’s site to attain the IFSC and MICR codes of any bank you are looking for. The tab labelled ‘Bank IFSC Code’ takes you to a page with four fields namely, Bank name, State, District, Branch name. Here, you are required to select from either the list displayed below or from drop-down menus on each page. Once all fields are entered, the result displayed by the website includes information such as the IFSC code, MICR code, branch address and contact number.

Using Vishweshwar Bank’s NEFT and RTGS services, customers can transfer funds effortlessly from one bank account to another. Before initiating a fund transfer, you will have to gather the following information:

  • Sender account number
  • Amount to be transferred
  • Beneficiary name
  • Beneficiary account number
  • Beneficiary bank name
  • Beneficiary bank branch name
  • Beneficiary bank branch IFSC

NEFT at Vishweshwar Bank:

At Vishweshwar Sahakari Bank, customers can transfer and receive money of low to medium value using NEFT. As the transactions are processed under RBI, it is safe and secure. Using a system of Deferred Net Settlement (DNS) basis, RBI clears transactions from the bank batch wise. NEFT transactions are settled at hourly intervals decided by the RBI. Vishweshwar Bank carries out NEFT transactions from Monday to Saturday between 10:00AM to 05:00PM. To carry out a quick NEFT transfer, you must request for it within the batch timings. The recipient receives the fund into his account either on the same day of transfer request or the next working day. You can remit any amount of money using NEFT.

The Vishweshwar Sahakari Bank Ltd. does not charge you for inward remittances, however you will have to pay the following charges based on the value of the outward remittances:

  • Amount up to Rs.10, 000 – Rs.3 per transaction
  • Amount above Rs.10, 000 to Rs.1 lakh – Rs.6 per transaction
  • Amount above Rs.1 lakh to Rs.2 lakh – Rs.17 per transaction
  • Amount above Rs.2 lakh – Rs.28 per transaction

RTGS at Vishweshwar Bank:

RTGS transactions at The Vishweshwar Sahakari Bank Ltd. are carried out by RBI and hence said to be irreversible and final. Real Time Gross Settlement are transactions that are processed on a real-time basis. It means that once the fund transfer has been requested, the transfer process begins at once. The transfer is cleared individually without having to wait for batch wise clearance. It is the fastest mode of online fund transfer and is considered to be as the choice of service when the transfer amount is high. Using RTGS, only amount Rs.2 lakh and above can be remitted.

Vishweshwar Bank does not charge its customers for inward transactions, however for outward remittances, Rs.28 is charged for RTGS transactions valued between Rs.2 lakh to Rs.5 lakh and Rs.56 for transactions above Rs.5 lakh.

Established in 1972, The Vishweshwar Sahakari Bank Ltd., Pune began as a small co-operative bank. The bank later merged with Nipani bank in the year 2011 expanding its branches to 15 in number. Vishweshwar Bank is Pune’s first non-scheduled urban co-operative bank providing the latest technology in banking to its customers. Currently, the bank has a network of 28 branches.


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