IFSC Code of Suco Souharda Sahakari Bank Limited, Dharwad Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Suco Souharda Sahakari Bank Limited, DHARWAD branch in DHARWAD. The 11-digit IFSC SUSB0000020 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 Suco Souharda Sahakari Bank Limited at the DHARWAD 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, SUSB0000020 is the IFSC of Suco Souharda Sahakari Bank Limited's DHARWAD branch. The format is fixed: SUSB = bank code, 0 = reserved, 000020 = branch identifier.

Branch details at a glance

About Suco Souharda Sahakari Bank Limited

Suco Souharda Sahakari Bank Limited operates a wide network of branches across India, including the Dharwad branch in Dharwad. 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, SUSB0000020.

About the Dharwad branch

The Dharwad branch of Suco Souharda Sahakari Bank Limited is situated at W NO:19A,VENKATRADI HEIGHTS,NEAR POLICE STATION, SARASWATHPUR,KALAGHATAGI ROAD,DHARWAD-580 004.. 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 SUSB0000020 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 Suco Souharda Sahakari Bank Limited's DHARWAD branch came to be assigned the code SUSB0000020.

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 SUSB0000020, money simply cannot be routed to the DHARWAD branch electronically.

How to transfer money using IFSC SUSB0000020

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 SUSB0000020 across all three.

NEFT to Suco Souharda Sahakari Bank Limited, DHARWAD using IFSC SUSB0000020

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 SUSB0000020, and confirm that the system picks up Suco Souharda Sahakari Bank Limited – DHARWAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DHARWAD

If you need to transfer ₹2 lakh or more in one go to an account at Suco Souharda Sahakari Bank Limited's DHARWAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SUSB0000020 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Suco Souharda Sahakari Bank Limited – DHARWAD, use IMPS. With IFSC SUSB0000020 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 SUSB0000020 for Suco Souharda Sahakari Bank Limited – DHARWAD, 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 Dharwad 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 SUSB0000020

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 Suco Souharda Sahakari Bank Limited – DHARWAD is still mapped to IFSC SUSB0000020. 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 SUSB0000020 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Dharwad branch is mapped to IFSC SUSB0000020 on the RBI payments network. The branch generally supports the full retail product catalogue of Suco Souharda Sahakari 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 SUSB0000020.

Products and services

Customers walking into the Dharwad branch can access most of Suco Souharda Sahakari 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 SUSB0000020

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Suco Souharda Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SUSB0000020 and the account number together uniquely identify the Dharwad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Dharwad 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 SUSB0000020 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.

Common mistakes to avoid when using IFSC SUSB0000020

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 Suco Souharda Sahakari Bank Limited – DHARWAD, 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: SUSB0000020.
• 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.

How to reach the Dharwad branch

The branch is located at W NO:19A,VENKATRADI HEIGHTS,NEAR POLICE STATION, SARASWATHPUR,KALAGHATAGI ROAD,DHARWAD-580 004., which puts it inside Dharwad, the broader Dharwad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Suco Souharda Sahakari Bank Limited Dharwad branch” — the verified location pin for IFSC SUSB0000020 should appear at the top of the results.
2. Confirm the branch is open by calling 8362-442161 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SUSB0000020 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SUSB0000020 for Suco Souharda Sahakari Bank Limited – DHARWAD, 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 Dharwad 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 SUSB0000020 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SUSB0000020 is the IFSC code of Suco Souharda Sahakari Bank Limited, DHARWAD branch, in DHARWAD, KARNATAKA. 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.