IFSC Code of Rajasthan Gramin Bank, Surdhana Chohanan Branch, Rajasthan

Use this page as a one-stop reference for everything related to Rajasthan Gramin Bank's SURDHANA CHOHANAN branch in SURDHANA CHOHANAN, RAJASTHAN. The branch's IFSC code RMGB0000243 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.

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 Rajasthan Gramin Bank's SURDHANA CHOHANAN branch, the IFSC RMGB0000243 breaks down as follows: RMGB identifies the bank, 0 is the reserved character, and 000243 identifies this particular branch.

About the bank

Rajasthan Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surdhana Chohanan branch in Surdhana Chohanan, Rajasthan is part of this network and uses the IFSC code RMGB0000243 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at V P SURDHNA CHAUHANAN, TEHSIL BIKANER. It serves the Surdhana Chohanan region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Rajasthan Gramin Bank. The IFSC RMGB0000243 is used to identify this branch on the RBI payments network.

Why every Rajasthan Gramin Bank 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 SURDHANA CHOHANAN of Rajasthan Gramin Bank — its own 11-character IFSC. The code RMGB0000243 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 RMGB0000243 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 Surdhana Chohanan branch is mapped to IFSC RMGB0000243 on the RBI payments network. The branch generally supports the full retail product catalogue of Rajasthan Gramin Bank, 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 RMGB0000243.

Banking services available

The Surdhana Chohanan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 RMGB0000243

How to transfer money using IFSC RMGB0000243

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 RMGB0000243 across all three.

How to use IFSC RMGB0000243 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Rajasthan Gramin Bank's SURDHANA CHOHANAN 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 RMGB0000243.
4. Confirm the bank name auto-populates as Rajasthan Gramin Bank and the branch as SURDHANA CHOHANAN.
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 RMGB0000243

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 Rajasthan Gramin Bank – SURDHANA CHOHANAN, ensure your bank's portal accepts IFSC RMGB0000243 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Rajasthan Gramin Bank SURDHANA CHOHANAN (IFSC RMGB0000243)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RMGB0000243 in your mobile or internet banking app, and the money is credited to the SURDHANA CHOHANAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Surdhana Chohanan

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 RMGB0000243:

• 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 SURDHANA CHOHANAN is still linked to IFSC RMGB0000243.

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 Rajasthan Gramin Bank's SURDHANA CHOHANAN branch, the IFSC RMGB0000243 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 Surdhana Chohanan 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 RMGB0000243 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Rajasthan Gramin Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC RMGB0000243 and the account number together uniquely identify the Surdhana Chohanan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC RMGB0000243

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 Rajasthan Gramin Bank – SURDHANA CHOHANAN, 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: RMGB0000243.
• 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 Surdhana Chohanan branch sits at V P SURDHNA CHAUHANAN, TEHSIL BIKANER. If you are travelling from outside Surdhana Chohanan, 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 RMGB0000243 and your account number.

Verifying IFSC RMGB0000243 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 RMGB0000243 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.

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 Surdhana Chohanan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RMGB0000243, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code RMGB0000243 belongs to Rajasthan Gramin Bank's SURDHANA CHOHANAN branch, located at V P SURDHNA CHAUHANAN, TEHSIL BIKANER in SURDHANA CHOHANAN, RAJASTHAN. 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.