IFSC Code of IDFC First Bank Limited, Surat - Vip Road Branch Branch, Gujarat

If you are searching for the IFSC code of IDFC First Bank Limited, SURAT - VIP ROAD BRANCH branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is IDFB0043843. 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 - VIP ROAD BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0043843 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IDFB0043843 is the IFSC of IDFC First Bank Limited's SURAT - VIP ROAD BRANCH branch. The format is fixed: IDFB = bank code, 0 = reserved, 043843 = branch identifier.

Branch details at a glance

Bank profile

IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat - Vip Road Branch branch — IFSC IDFB0043843 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at GROUND FLOOR, SHOP NO G/4&G/5, WHITE HOUSE, VIP ROAD, VESU, SURAT, GUJARAT - 395007 TOLL FREE NO - 18602582000. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDFC First Bank Limited. The IFSC IDFB0043843 is used to identify this branch on the RBI payments network.

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 - VIP ROAD BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0043843 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 IDFB0043843 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 IDFB0043843

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 IDFB0043843 across all three.

How to use IFSC IDFB0043843 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's SURAT - VIP ROAD BRANCH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IDFB0043843.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as SURAT - VIP ROAD BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IDFB0043843

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 - VIP ROAD BRANCH, ensure your bank's portal accepts IFSC IDFB0043843 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDFC First Bank Limited SURAT - VIP ROAD BRANCH (IFSC IDFB0043843)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0043843 in your mobile or internet banking app, and the money is credited to the SURAT - VIP ROAD BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Surat - Vip Road Branch

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDFB0043843:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SURAT - VIP ROAD BRANCH is still linked to IFSC IDFB0043843.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDFC First Bank Limited's SURAT - VIP ROAD BRANCH branch, the IFSC IDFB0043843 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Surat - Vip Road Branch branch is mapped to IFSC IDFB0043843 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 IDFB0043843.

Products and services

Customers walking into the Surat - Vip Road 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 IDFB0043843

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 IDFB0043843 and the account number together uniquely identify the Surat - Vip Road Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Surat - Vip Road Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IDFB0043843 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC IDFB0043843

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 - VIP ROAD 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: IDFB0043843.
• 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 - Vip Road Branch branch sits at GROUND FLOOR, SHOP NO G/4&G/5, WHITE HOUSE, VIP ROAD, VESU, SURAT, GUJARAT - 395007 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 IDFB0043843 and your account number.

Verifying IFSC IDFB0043843 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 IDFB0043843 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.

Working hours

Branch counters at Surat - Vip Road Branch are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IDFB0043843 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDFB0043843 belongs to IDFC First Bank Limited's SURAT - VIP ROAD BRANCH branch, located at GROUND FLOOR, SHOP NO G/4&G/5, WHITE HOUSE, VIP ROAD, VESU, SURAT, GUJARAT -… in SURAT, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.