IFSC Code of Prime Cooperative Bank Limited, Udhana Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Prime Cooperative Bank Limited, UDHANA branch in SURAT. The 11-digit IFSC PMEC0103734 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Prime Cooperative Bank Limited at the UDHANA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, PMEC0103734 is the IFSC of Prime Cooperative Bank Limited's UDHANA branch. The format is fixed: PMEC = bank code, 0 = reserved, 103734 = branch identifier.

About Prime Cooperative Bank Limited

Prime Cooperative Bank Limited operates a wide network of branches across India, including the Udhana branch in Surat. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PMEC0103734.

Branch details at a glance

About this branch

The branch is located at PRIME HOUSE PLOT NO IND-123 UDHANA UDHYOG NAGAR UDHANA SURAT 394210. 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 PMEC0103734 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Prime Cooperative Bank Limited's UDHANA branch came to be assigned the code PMEC0103734.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC PMEC0103734, money simply cannot be routed to the UDHANA branch electronically.

Account types you can open at the Udhana branch

Once you have an account at Prime Cooperative Bank Limited – UDHANA, the IFSC PMEC0103734 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 Udhana 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 PMEC0103734

How to transfer money using IFSC PMEC0103734

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 PMEC0103734 across all three.

How to use IFSC PMEC0103734 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Prime Cooperative Bank Limited's UDHANA 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 PMEC0103734.
4. Confirm the bank name auto-populates as Prime Cooperative Bank Limited and the branch as UDHANA.
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 UDHANA

If you need to transfer ₹2 lakh or more in one go to an account at Prime Cooperative Bank Limited's UDHANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PMEC0103734 while initiating the transfer and the credit will appear within minutes.

IMPS to Prime Cooperative Bank Limited UDHANA (IFSC PMEC0103734)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PMEC0103734 in your mobile or internet banking app, and the money is credited to the UDHANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Udhana

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 PMEC0103734:

• 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 UDHANA is still linked to IFSC PMEC0103734.

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 Prime Cooperative Bank Limited's UDHANA branch, the IFSC PMEC0103734 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 Udhana 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 PMEC0103734 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 Udhana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PMEC0103734 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – UDHANA:

• The IFSC is exactly PMEC0103734 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 UDHANA 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 Udhana branch sits at PRIME HOUSE PLOT NO IND-123 UDHANA UDHYOG NAGAR UDHANA SURAT 394210. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2804701 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 PMEC0103734 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PMEC0103734 for Prime Cooperative Bank Limited – UDHANA, 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 Udhana 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 PMEC0103734 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PMEC0103734 belongs to Prime Cooperative Bank Limited's UDHANA branch, located at PRIME HOUSE PLOT NO IND-123 UDHANA UDHYOG NAGAR UDHANA SURAT 394210 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.