IFSC Code of Prime Cooperative Bank Limited, Head Office Branch, Gujarat

If you are searching for the IFSC code of Prime Cooperative Bank Limited, HEAD OFFICE branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is PMEC0NEFTSC. 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 HEAD OFFICE branch, and detailed step-by-step guides for using the IFSC PMEC0NEFTSC 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Prime Cooperative Bank Limited's HEAD OFFICE branch, the IFSC PMEC0NEFTSC breaks down as follows: PMEC identifies the bank, 0 is the reserved character, and NEFTSC identifies this particular branch.

Branch details at a glance

Bank profile

Prime Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Head Office branch — IFSC PMEC0NEFTSC — extends the bank's services to customers in and around Surat, Gujarat.

About the Head Office branch

The Head Office branch of Prime Cooperative Bank Limited is situated at 3RD FLOOR TAPI VILA APARTMENT 34 VIJAY NAGAR SOCIETY GATE NO 3 NEAR MAJURA GATE SURAT 395001. 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 PMEC0NEFTSC 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 HEAD OFFICE of Prime Cooperative Bank Limited — its own 11-character IFSC. The code PMEC0NEFTSC 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 PMEC0NEFTSC 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 PMEC0NEFTSC

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 PMEC0NEFTSC across all three.

How to use IFSC PMEC0NEFTSC for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Prime Cooperative Bank Limited's HEAD OFFICE 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 PMEC0NEFTSC.
4. Confirm the bank name auto-populates as Prime Cooperative Bank Limited and the branch as HEAD OFFICE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to HEAD OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at Prime Cooperative Bank Limited's HEAD OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PMEC0NEFTSC while initiating the transfer and the credit will appear within minutes.

IMPS to Prime Cooperative Bank Limited HEAD OFFICE (IFSC PMEC0NEFTSC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PMEC0NEFTSC in your mobile or internet banking app, and the money is credited to the HEAD OFFICE branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PMEC0NEFTSC for Prime Cooperative Bank Limited – HEAD OFFICE, 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 Head Office 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 PMEC0NEFTSC

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 – HEAD OFFICE is still mapped to IFSC PMEC0NEFTSC. 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 PMEC0NEFTSC and the beneficiary's account number to complete the transfer.

Account types you can open at the Head Office branch

Once you have an account at Prime Cooperative Bank Limited – HEAD OFFICE, the IFSC PMEC0NEFTSC stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Head Office 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 PMEC0NEFTSC

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 PMEC0NEFTSC and the account number together uniquely identify the Head Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC PMEC0NEFTSC

Prime Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HEAD OFFICE 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 PMEC0NEFTSC 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 PMEC0NEFTSC

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 – HEAD OFFICE, 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: PMEC0NEFTSC.
• 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 Head Office branch sits at 3RD FLOOR TAPI VILA APARTMENT 34 VIJAY NAGAR SOCIETY GATE NO 3 NEAR MAJURA GATE SURAT 395001. 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 PMEC0NEFTSC and your account number.

Verifying IFSC PMEC0NEFTSC 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 PMEC0NEFTSC 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 Head Office 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 PMEC0NEFTSC continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PMEC0NEFTSC is the IFSC code of Prime Cooperative Bank Limited, HEAD OFFICE 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.