IFSC Code of Prime Cooperative Bank Limited, Bhulka Bhavan Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to Prime Cooperative Bank Limited's BHULKA BHAVAN BRANCH branch in SURAT, GUJARAT. The branch's IFSC code PMEC0100203 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Prime Cooperative Bank Limited – BHULKA BHAVAN BRANCH is PMEC0100203. The first four letters PMEC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 100203 map to this branch in SURAT, GUJARAT.

Branch details at a glance

About the bank

Prime Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhulka Bhavan Branch branch in Surat, Gujarat is part of this network and uses the IFSC code PMEC0100203 for all electronic settlement.

About the Bhulka Bhavan Branch branch

The Bhulka Bhavan Branch branch of Prime Cooperative Bank Limited is situated at NANDANVAN COMPLEX, ANAND MAHAL ROAD, ADAJAN, SURAT 395009. 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 PMEC0100203 is used.

Why every Prime Cooperative 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 BHULKA BHAVAN BRANCH of Prime Cooperative Bank Limited — its own 11-character IFSC. The code PMEC0100203 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 PMEC0100203 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 PMEC0100203

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 PMEC0100203 across all three.

How to use IFSC PMEC0100203 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Prime Cooperative Bank Limited's BHULKA BHAVAN 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 PMEC0100203.
4. Confirm the bank name auto-populates as Prime Cooperative Bank Limited and the branch as BHULKA BHAVAN 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 PMEC0100203

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 Prime Cooperative Bank Limited – BHULKA BHAVAN BRANCH, ensure your bank's portal accepts IFSC PMEC0100203 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Prime Cooperative Bank Limited – BHULKA BHAVAN BRANCH, use IMPS. With IFSC PMEC0100203 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhulka Bhavan 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 PMEC0100203:

• 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 BHULKA BHAVAN BRANCH is still linked to IFSC PMEC0100203.

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.

UPI payments and IFSC PMEC0100203

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 Prime Cooperative Bank Limited – BHULKA BHAVAN BRANCH is still mapped to IFSC PMEC0100203. 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 PMEC0100203 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhulka Bhavan Branch branch is mapped to IFSC PMEC0100203 on the RBI payments network. The branch generally supports the full retail product catalogue of Prime Cooperative 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 PMEC0100203.

Products and services

Customers walking into the Bhulka Bhavan Branch branch can access most of Prime Cooperative 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 PMEC0100203

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Prime Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PMEC0100203 and the account number together uniquely identify the Bhulka Bhavan Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PMEC0100203

Prime Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHULKA BHAVAN 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 PMEC0100203 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Prime Cooperative Bank Limited – BHULKA BHAVAN BRANCH:

• The IFSC is exactly PMEC0100203 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Prime Cooperative Bank Limited as the bank name and BHULKA BHAVAN BRANCH as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Bhulka Bhavan Branch branch sits at NANDANVAN COMPLEX, ANAND MAHAL ROAD, ADAJAN, SURAT 395009. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2789891 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 PMEC0100203 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PMEC0100203 for Prime Cooperative Bank Limited – BHULKA BHAVAN BRANCH, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Bhulka Bhavan 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 PMEC0100203 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PMEC0100203 is the IFSC code of Prime Cooperative Bank Limited, BHULKA BHAVAN 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.