IFSC Code of State Bank of India, Commercial Branch, Surat Branch, Gujarat

Below are the complete branch details for State Bank of India, COMMERCIAL BRANCH, SURAT branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SBIN0063749. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SBIN0063749 for State Bank of India – COMMERCIAL BRANCH, SURAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 State Bank of India – COMMERCIAL BRANCH, SURAT is SBIN0063749. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 063749 map to this branch in SURAT, GUJARAT.

Branch details at a glance

Bank profile

State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Commercial Branch, Surat branch — IFSC SBIN0063749 — extends the bank's services to customers in and around Surat, Gujarat.

About the Commercial Branch, Surat branch

The Commercial Branch, Surat branch of State Bank of India is situated at HG 11,12,13 INTERNATIONAL BUSINESS CENTRE,DUMAS ROAD, SURAT 395007. 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 SBIN0063749 is used.

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 State Bank of India's COMMERCIAL BRANCH, SURAT branch came to be assigned the code SBIN0063749.

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 SBIN0063749, money simply cannot be routed to the COMMERCIAL BRANCH, SURAT branch electronically.

How to transfer money using IFSC SBIN0063749

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 SBIN0063749 across all three.

How to use IFSC SBIN0063749 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to State Bank of India's COMMERCIAL BRANCH, SURAT 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 SBIN0063749.
4. Confirm the bank name auto-populates as State Bank of India and the branch as COMMERCIAL BRANCH, SURAT.
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 SBIN0063749

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 State Bank of India – COMMERCIAL BRANCH, SURAT, ensure your bank's portal accepts IFSC SBIN0063749 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to State Bank of India – COMMERCIAL BRANCH, SURAT, use IMPS. With IFSC SBIN0063749 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 Commercial Branch, Surat

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 SBIN0063749:

• 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 COMMERCIAL BRANCH, SURAT is still linked to IFSC SBIN0063749.

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 SBIN0063749

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 State Bank of India – COMMERCIAL BRANCH, SURAT is still mapped to IFSC SBIN0063749. 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 SBIN0063749 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Commercial Branch, Surat branch is mapped to IFSC SBIN0063749 on the RBI payments network. The branch generally supports the full retail product catalogue of State Bank of India, 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 SBIN0063749.

Products and services

Customers walking into the Commercial Branch, Surat branch can access most of State Bank of India'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 SBIN0063749

MICR & cheque-truncation details

Cheques drawn on the Commercial Branch, Surat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0063749 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SBIN0063749

State Bank of India customers can register for net banking and the bank's official mobile app once their account at the COMMERCIAL BRANCH, SURAT 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 SBIN0063749 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 State Bank of India – COMMERCIAL BRANCH, SURAT:

• The IFSC is exactly SBIN0063749 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills State Bank of India as the bank name and COMMERCIAL BRANCH, SURAT 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 Commercial Branch, Surat branch sits at HG 11,12,13 INTERNATIONAL BUSINESS CENTRE,DUMAS ROAD, SURAT 395007. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 7900039222 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 SBIN0063749 and your account number.

Verifying IFSC SBIN0063749 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 SBIN0063749 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7900039222.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Commercial Branch, Surat 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 SBIN0063749 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SBIN0063749 belongs to State Bank of India's COMMERCIAL BRANCH, SURAT branch, located at HG 11,12,13 INTERNATIONAL BUSINESS CENTRE,DUMAS ROAD, SURAT 395007 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.