IFSC Code of Prime Cooperative Bank Limited, City Light Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to Prime Cooperative Bank Limited's CITY LIGHT BRANCH branch in SURAT, GUJARAT. The branch's IFSC code PMEC0101212 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 – CITY LIGHT BRANCH is PMEC0101212. The first four letters PMEC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 101212 map to this branch in SURAT, GUJARAT.

Bank profile

Prime Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The City Light Branch branch — IFSC PMEC0101212 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About this branch

The branch is located at 101, SHIV POOJA COMPLEX, CITY LIGHT ROAD, SURAT. 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 Prime Cooperative Bank Limited. The IFSC PMEC0101212 is used to identify this branch on the RBI payments network.

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 CITY LIGHT BRANCH of Prime Cooperative Bank Limited — its own 11-character IFSC. The code PMEC0101212 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 PMEC0101212 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the City Light Branch branch is mapped to IFSC PMEC0101212 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 PMEC0101212.

Banking services available

The City Light Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2254106.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PMEC0101212

How to transfer money using IFSC PMEC0101212

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 PMEC0101212 across all three.

NEFT to Prime Cooperative Bank Limited, CITY LIGHT BRANCH using IFSC PMEC0101212

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 PMEC0101212, and confirm that the system picks up Prime Cooperative Bank Limited – CITY LIGHT BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PMEC0101212

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 – CITY LIGHT BRANCH, ensure your bank's portal accepts IFSC PMEC0101212 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 – CITY LIGHT BRANCH, use IMPS. With IFSC PMEC0101212 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 PMEC0101212 for Prime Cooperative Bank Limited – CITY LIGHT 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.

For most retail customers crediting the City Light 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.

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 Prime Cooperative Bank Limited's CITY LIGHT BRANCH branch, the IFSC PMEC0101212 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.

Digital banking channels

Most day-to-day work that customers used to do at the City Light 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 PMEC0101212 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.

MICR & cheque-truncation details

Cheques drawn on the City Light Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PMEC0101212 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC PMEC0101212

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 Prime Cooperative Bank Limited – CITY LIGHT 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: PMEC0101212.
• 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 City Light Branch branch sits at 101, SHIV POOJA COMPLEX, CITY LIGHT ROAD, SURAT. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2254106 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 PMEC0101212 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PMEC0101212 for Prime Cooperative Bank Limited – CITY LIGHT 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.

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 City Light Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PMEC0101212, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PMEC0101212 is the IFSC code of Prime Cooperative Bank Limited, CITY LIGHT 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.