Use this page as a one-stop reference for everything related to Surat National Cooperative Bank Limited's branch in , GUJARAT. The branch's IFSC code SUNB0000004 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.
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, SUNB0000004 is the IFSC of Surat National Cooperative Bank Limited's branch. The format is fixed: SUNB = bank code, 0 = reserved, 000004 = branch identifier.
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 SUNB0000004 for all electronic settlement.
Branch details at a glance
| Bank Name | Surat National Cooperative Bank Limited |
|---|---|
| IFSC Code | SUNB0000004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 4, RIDHHI SIDHHI APARTMENT, OPP. NAVIN FLORIN COLONY, BHESTAN |
| State | Gujarat |
| Phone | 2894027 |
About the branch
The branch of Surat National Cooperative Bank Limited is situated at 4, RIDHHI SIDHHI APARTMENT, OPP. NAVIN FLORIN COLONY, BHESTAN. 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 SUNB0000004 is used.
Why every Surat National Cooperative Bank Limited 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 of Surat National Cooperative Bank Limited — its own 11-character IFSC. The code SUNB0000004 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 SUNB0000004 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 branch is mapped to IFSC SUNB0000004 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 SUNB0000004.
Banking services available
The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2894027.
- 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 SUNB0000004
How to transfer money using IFSC SUNB0000004
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 SUNB0000004 across all three.
How to use IFSC SUNB0000004 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 SUNB0000004.
- 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.
RTGS transfers via IFSC SUNB0000004
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 Surat National Cooperative Bank Limited – , ensure your bank's portal accepts IFSC SUNB0000004 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Surat National Cooperative Bank Limited – , use IMPS. With IFSC SUNB0000004 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 SUNB0000004 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 – SUNB0000004 | Yes – SUNB0000004 | Yes – SUNB0000004 |
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.
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 Surat National Cooperative Bank Limited's branch, the IFSC SUNB0000004 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 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 SUNB0000004 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 branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SUNB0000004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC SUNB0000004
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:
SUNB0000004. - 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 4, RIDHHI SIDHHI APARTMENT, OPP. NAVIN FLORIN COLONY, BHESTAN, 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 SUNB0000004 should appear at the top of the results.
- Confirm the branch is open by calling 2894027 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 SUNB0000004 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SUNB0000004 for Surat National Cooperative Bank Limited – , 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 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 SUNB0000004 continue to work without interruption.
Branch address & contact
Surat National Cooperative Bank LimitedBranch
4, RIDHHI SIDHHI APARTMENT, OPP. NAVIN FLORIN COLONY, BHESTAN
, Gujarat
Phone: 2894027
IFSC: SUNB0000004
Frequently asked questions
Is IFSC SUNB0000004 the same for all accounts at branch?
Yes. The IFSC SUNB0000004 is shared by every account held at Surat National Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
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 SUNB0000004, and complete OTP verification. Once activated, you can transfer funds at any time.
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.
Where is Surat National Cooperative Bank Limited branch located?
Surat National Cooperative Bank Limited's branch is located at 4, RIDHHI SIDHHI APARTMENT, OPP. NAVIN FLORIN COLONY, BHESTAN, , Gujarat.
How quickly will an NEFT transfer using SUNB0000004 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 SUNB0000004. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Surat National Cooperative Bank Limited branch?
You can reach the branch at 2894027 during regular banking hours.
Final notes
To recap: SUNB0000004 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.
