If you are searching for the IFSC code of Surat National Cooperative Bank Limited, branch in , GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SUNB0000007. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the branch, and detailed step-by-step guides for using the IFSC SUNB0000007 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 SUNB0000007. The first four letters SUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000007 map to this branch in , GUJARAT.
Bank profile
Surat National Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The branch — IFSC SUNB0000007 — extends the bank's services to customers in and around , Gujarat.
Branch details at a glance
| Bank Name | Surat National Cooperative Bank Limited |
|---|---|
| IFSC Code | SUNB0000007 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SANDHYA DARSAN APARTMENT, OPP. BHULKABHAVAN SCHOOL, ADAJAN |
| State | Gujarat |
| Phone | 2788452 |
About the branch
The branch of Surat National Cooperative Bank Limited is situated at SANDHYA DARSAN APARTMENT, OPP. BHULKABHAVAN SCHOOL, ADAJAN. 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 SUNB0000007 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 SUNB0000007 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 SUNB0000007 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 SUNB0000007 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 SUNB0000007.
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 SUNB0000007
How to transfer money using IFSC SUNB0000007
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 SUNB0000007 across all three.
NEFT to Surat National Cooperative Bank Limited, using IFSC SUNB0000007
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 SUNB0000007, and confirm that the system picks up Surat National Cooperative Bank Limited – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing 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 SUNB0000007 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 SUNB0000007 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 SUNB0000007 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 – SUNB0000007 | Yes – SUNB0000007 | Yes – SUNB0000007 |
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 SUNB0000007 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 SUNB0000007 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 Surat National Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SUNB0000007 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 Surat National Cooperative Bank Limited – :
- The IFSC is exactly SUNB0000007 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Surat National Cooperative Bank Limited as the bank name and 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 branch sits at SANDHYA DARSAN APARTMENT, OPP. BHULKABHAVAN SCHOOL, ADAJAN. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 2788452 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 SUNB0000007 and your account number.
Verifying IFSC SUNB0000007 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 SUNB0000007 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2788452.
- 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 SUNB0000007 continue to work without interruption.
Branch address & contact
Surat National Cooperative Bank LimitedBranch
SANDHYA DARSAN APARTMENT, OPP. BHULKABHAVAN SCHOOL, ADAJAN
, Gujarat
Phone: 2788452
IFSC: SUNB0000007
Frequently asked questions
Does Surat National Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2788452 to confirm.
What is the IFSC code of Surat National Cooperative Bank Limited branch?
The IFSC code of Surat National Cooperative Bank Limited, branch is SUNB0000007. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC SUNB0000007 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SUNB0000007 to send funds instantly.
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 SUNB0000007, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC SUNB0000007 valid for NEFT and RTGS?
Yes. IFSC SUNB0000007 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Surat National Cooperative Bank Limited branch located?
Surat National Cooperative Bank Limited's branch is located at SANDHYA DARSAN APARTMENT, OPP. BHULKABHAVAN SCHOOL, ADAJAN, , Gujarat.
Is IFSC SUNB0000007 the same for all accounts at branch?
Yes. The IFSC SUNB0000007 is shared by every account held at Surat National Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
Final notes
To recap: SUNB0000007 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.
