Below are the complete branch details for Surat National Cooperative Bank Limited, branch, located in , GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SUNB0000002. 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 SUNB0000002 for Surat National Cooperative Bank Limited – — 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 Surat National Cooperative Bank Limited – is SUNB0000002. The first four letters SUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000002 map to this branch in , GUJARAT.
Branch details at a glance
| Bank Name | Surat National Cooperative Bank Limited |
|---|---|
| IFSC Code | SUNB0000002 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3/4016,NAVNIDHI,NAVAPURA,KARVA ROAD,SUTRAT-395003 |
| State | Gujarat |
| Phone | 2491197 |
About the bank
Surat National Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Gujarat is part of this network and uses the IFSC code SUNB0000002 for all electronic settlement.
branch overview
Located at 3/4016,NAVNIDHI,NAVAPURA,KARVA ROAD,SUTRAT-395003, the branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SUNB0000002 is required for all interbank electronic transfers routed through this branch.
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 Surat National Cooperative Bank Limited's branch came to be assigned the code SUNB0000002.
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 SUNB0000002, money simply cannot be routed to the branch electronically.
How to transfer money using IFSC SUNB0000002
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 SUNB0000002 across all three.
How to use IFSC SUNB0000002 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Surat National Cooperative Bank Limited's 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SUNB0000002.
- Confirm the bank name auto-populates as Surat National Cooperative Bank Limited and the branch as .
- 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
If you need to transfer ₹2 lakh or more in one go to an account at Surat National Cooperative Bank Limited's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SUNB0000002 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Surat National Cooperative Bank Limited – , use IMPS. With IFSC SUNB0000002 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 SUNB0000002 for Surat National Cooperative Bank Limited – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SUNB0000002 | Yes – SUNB0000002 | Yes – SUNB0000002 |
For most retail customers crediting the 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 SUNB0000002
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 Surat National Cooperative Bank Limited – is still mapped to IFSC SUNB0000002. 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 SUNB0000002 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the branch is mapped to IFSC SUNB0000002 on the RBI payments network. The branch generally supports the full retail product catalogue of Surat National Cooperative 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 SUNB0000002.
Products and services
Customers walking into the branch can access most of Surat National 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 SUNB0000002
MICR & cheque-truncation details
Cheques drawn on the branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SUNB0000002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the 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 SUNB0000002 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 SUNB0000002
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 Surat National Cooperative Bank Limited – , 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:
SUNB0000002. - 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 branch
The branch is located at 3/4016,NAVNIDHI,NAVAPURA,KARVA ROAD,SUTRAT-395003, which puts it inside , the broader district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Surat National Cooperative Bank Limited branch” — the verified location pin for IFSC SUNB0000002 should appear at the top of the results.
- Confirm the branch is open by calling 2491197 before stepping out, especially around public holidays.
- 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 SUNB0000002 and your account number.
Verifying IFSC SUNB0000002 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 SUNB0000002 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2491197.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at 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 SUNB0000002 continue to work without interruption.
Branch address & contact
Surat National Cooperative Bank LimitedBranch
3/4016,NAVNIDHI,NAVAPURA,KARVA ROAD,SUTRAT-395003
, Gujarat
Phone: 2491197
IFSC: SUNB0000002
Frequently asked questions
Is IFSC SUNB0000002 the same for all accounts at branch?
Yes. The IFSC SUNB0000002 is shared by every account held at Surat National Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SUNB0000002 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Surat National Cooperative Bank Limited – reflect within 30 minutes.
What is the IFSC code of Surat National Cooperative Bank Limited branch?
The IFSC code of Surat National Cooperative Bank Limited, branch is SUNB0000002. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the branch but serve different purposes.
What is the phone number of Surat National Cooperative Bank Limited branch?
You can reach the branch at 2491197 during regular banking hours.
How do I add Surat National Cooperative Bank Limited as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SUNB0000002, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Surat National Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2491197 to confirm.
Can I use IFSC SUNB0000002 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SUNB0000002 to send funds instantly.
Final notes
To recap: SUNB0000002 is the IFSC code of Surat National Cooperative Bank Limited, branch, in , 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.
