If you are searching for the IFSC code of IDFC First Bank Limited, SURAT - KATARGAM BRANCH branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is IDFB0042279. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SURAT - KATARGAM BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0042279 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for IDFC First Bank Limited – SURAT - KATARGAM BRANCH is IDFB0042279. The first four letters IDFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 042279 map to this branch in SURAT, GUJARAT.
Branch details at a glance
| Bank Name | IDFC First Bank Limited |
|---|---|
| Branch | Surat - Katargam Branch |
| IFSC Code | IDFB0042279 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND AND FIRST FLOOR, R.S NO.541, PLOT NO.108, BLDG-C, SURAT HIRA BOURSE, KATARGAM, SURAT, GUJARAT - 395004, TOLL FREE NO. - 18602582000 |
| City | Surat |
| District | Surat |
| State | Gujarat |
Bank profile
IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat - Katargam Branch branch — IFSC IDFB0042279 — extends the bank's services to customers in and around Surat, Gujarat.
About the Surat - Katargam Branch branch
The Surat - Katargam Branch branch of IDFC First Bank Limited is situated at GROUND AND FIRST FLOOR, R.S NO.541, PLOT NO.108, BLDG-C, SURAT HIRA BOURSE, KATARGAM, SURAT, GUJARAT - 395004, TOLL FREE NO. - 18602582000. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDFB0042279 is used.
Why every IDFC First Bank Limited branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SURAT - KATARGAM BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0042279 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDFB0042279 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDFB0042279
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IDFB0042279 across all three.
NEFT to IDFC First Bank Limited, SURAT - KATARGAM BRANCH using IFSC IDFB0042279
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IDFB0042279, and confirm that the system picks up IDFC First Bank Limited – SURAT - KATARGAM BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDFB0042279
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDFC First Bank Limited – SURAT - KATARGAM BRANCH, ensure your bank's portal accepts IFSC IDFB0042279 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to IDFC First Bank Limited – SURAT - KATARGAM BRANCH, use IMPS. With IFSC IDFB0042279 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDFB0042279 for IDFC First Bank Limited – SURAT - KATARGAM BRANCH, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IDFB0042279 | Yes – IDFB0042279 | Yes – IDFB0042279 |
For most retail customers crediting the Surat - Katargam Branch branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IDFB0042279
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at IDFC First Bank Limited – SURAT - KATARGAM BRANCH is still mapped to IFSC IDFB0042279. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IDFB0042279 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Surat - Katargam Branch branch is mapped to IFSC IDFB0042279 on the RBI payments network. The branch generally supports the full retail product catalogue of IDFC First Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IDFB0042279.
Products and services
Customers walking into the Surat - Katargam Branch branch can access most of IDFC First Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IDFB0042279
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by IDFC First Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDFB0042279 and the account number together uniquely identify the Surat - Katargam Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDFB0042279
IDFC First Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SURAT - KATARGAM BRANCH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IDFB0042279 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Common mistakes to avoid when using IFSC IDFB0042279
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDFC First Bank Limited – SURAT - KATARGAM BRANCH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IDFB0042279. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Surat - Katargam Branch branch sits at GROUND AND FIRST FLOOR, R.S NO.541, PLOT NO.108, BLDG-C, SURAT HIRA BOURSE, KATARGAM, SURAT, GUJARAT - 395004, TOLL FREE NO. - 18602582000. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IDFB0042279 and your account number.
Verifying IFSC IDFB0042279 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IDFB0042279 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Surat - Katargam Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0042279, however, work 24x7.
Branch address & contact
IDFC First Bank LimitedSurat - Katargam Branch Branch
GROUND AND FIRST FLOOR, R.S NO.541, PLOT NO.108, BLDG-C, SURAT HIRA BOURSE, KATARGAM, SURAT, GUJARAT - 395004, TOLL FREE NO. - 18602582000
Surat, Gujarat
Phone: the branch contact number
IFSC: IDFB0042279
Frequently asked questions
How do I add IDFC First Bank Limited Surat - Katargam Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDFB0042279, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDFB0042279 valid for NEFT and RTGS?
Yes. IFSC IDFB0042279 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is IDFC First Bank Limited Surat - Katargam Branch branch located?
IDFC First Bank Limited's Surat - Katargam Branch branch is located at GROUND AND FIRST FLOOR, R.S NO.541, PLOT NO.108, BLDG-C, SURAT HIRA BOURSE, KATARGAM, SURAT, GUJARAT - 395004, TOLL FREE NO. - 18602582000, Surat, Gujarat.
Can I use IFSC IDFB0042279 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDFB0042279 to send funds instantly.
Does IDFC First Bank Limited Surat - Katargam Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC IDFB0042279 the same for all accounts at Surat - Katargam Branch branch?
Yes. The IFSC IDFB0042279 is shared by every account held at IDFC First Bank Limited's Surat - Katargam Branch branch. Only the account number changes from customer to customer.
What is the IFSC code of IDFC First Bank Limited Surat - Katargam Branch branch?
The IFSC code of IDFC First Bank Limited, Surat - Katargam Branch branch is IDFB0042279. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IDFB0042279 is the IFSC code of IDFC First Bank Limited, SURAT - KATARGAM BRANCH branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
