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Surat District Coop Bank IFSC and MICR Code:

State wise list of Surat District Coop Bank IFSC code, MICR code and addresses of all branches in India

Locate any details of Surat District Coop Bank branch in India.

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The Surat District Co-op. Bank (SDC Bank) IFSC Code:

Settling payments have always been a lengthy and time-consuming process. From depositing large sums of money to couriering cheques/demand drafts to handing over hard cash. These steps are not just stressful but also error-prone. Introduction of electronic fund transfer in the Indian banking world has helped in cutting down several steps in the money transfer process. At present, most banks provide the facility of electronic fund transfer and people all over India are now choosing to use it often. Like most other banks, the Surat District Co-op. Bank has also incorporated the electronic fund transfer technology for the benefit of its customers.

The Reserve Bank of India has introduced two main modes of electronic fund transfers- National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS). Both NEFT and RTGS are controlled and operated by RBI and can be safely assumed to be secure. The electronic transfers require an IFSC code for enabling successful transactions and this code is assigned by RBI.

IFSC is Indian Financial System Code. IFSC is an identification assigned by RBI to those banks that transfer funds electronically through NEFT and RTGS. During both these processes, IFSC code aids in the identification of both the sender as well as the recipient bank to enable smooth transfer of funds. 11 alpha numeric characters combine to make an IFSC code. The name of the bank can be deciphered from the first four characters of the code, the fifth character is a control element and is left as zero, always. The branch name of the bank can be deciphered from the last six characters of the code. The last set is either alphabets or numbers or both.

SDCB0000002 is the IFSC code of Bardoli City branch of the Surat Co-op. Bank in Bardoli district of Gujarat. Here, the first four characters SDCB represents Surat District Co-op. Bank, the last six characters 000002 is code for Bardoli city branch and the fifth character, as mentioned is left as zero (0).

How to Search for Surat District Co-op. Bank IFSC and MICR Codes?

If you want to transfer funds electronically through Surat Co-op. Bank, you should have all the details of the beneficiary bank ready, before initiating a transaction request online. Knowing the IFSC code of the particular bank branch where the money is being transferred to is very crucial in the entire process. Although there are many ways to find the IFSC and MICR codes of the bank branches of Surat Bank, the easiest way is to locate the IFSC code on the cheque leaves of the bank, issued at the time of account opening.

RBI’s official website has a tab named ‘IFSC/MICR Codes’. On selecting the tab and entering the bank’s name and branch name, you can get more information on the bank branch you are looking for, such as IFSC, MICR codes, address. A similar tab labelled ‘IFSC Code’ on the Surat Bank Co-op. Bank’ gives you a list of all the branches of the bank, their addresses and IFSC codes.

BankBazaar is a third-party website where you can find a lot of information about all banks that are in the NEFT/RTGS network, including the Surat District Co-op. Bank. In the bottom left corner of the homepage of BankBazaar, there is a tab ‘Bank IFSC Code’. When you click on it, a window with fields that ask for bank’s name, district, state, and the branch name. Either from the drop-down menus or from the list given below, select the right options. Surat District Bank IFSC code is displayed in the window as result, along with other information such as address, phone number etc.

Customers of the Surat Bank can avail NEFT and RTGS facilities, fund is transferred electronically with immense speed and efficiency using RBI’s secure channels. With the help of NEFT and RTGS, your payments can be settled in no time.

NEFT at Surat District Co-op. Bank:

At Surat District Bank, you can transfer fund from your account at the bank to any beneficiary account of any branch of any bank anywhere in the country. RBI clears these payments batch wise at pre-decided hourly intervals. The body follows a DNS(Deferred Net Settlement) basis to settle NEFT transactions. There is no upper or lower limit for transactions that are carried out via NEFT. The money is credited into the account of the beneficiary either on the same day or the next depending at the time of transaction request.

You must have the following information before requesting a NEFT transfer: account number of the remitter, amount to be transferred, account number, name, bank name of the beneficiary as well as the IFSC of the particular branch.

RTGS at Surat District Co-op. Bank:

Real Time Gross Settlement, also referred to as RTGS is a process where transactions are cleared on a real-time basis. The waiting period for the fund transfer completion in an RTGS method is extremely short. The payments are cleared in a gross settlement form, unlike in NEFT, each transaction is processed independently and not in batches. When you want to transfer really large sums of money, RTGS is chosen for the electronic fund transfer. The safety and security of this mode of transfer is unquestionable and the transaction is irreversible and final, as it is carried out by RBI.

The Surat District Co-op. (Urban) Union Ltd. was established in 1909 and later re-named as the Surat District Co-op. Bank Ltd (SUDICO) in 1923. In the last 98 years, the Surat District Co-op. Bank has provided financial services and solutions to the common public and emerged as a successful banking institution. SUDICO has done a tremendous job in supporting the tribal farmers by offering them timely agricultural loans. This aside, SUDICO has also aided corporate organizations by providing them efficient financial services. Surat District Bank has automated all its 62 branches to stay on par with modernization of the banking sector in India.


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