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 SUNB0000012. 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 SUNB0000012 for Surat National Cooperative Bank Limited – — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, SUNB0000012 is the IFSC of Surat National Cooperative Bank Limited's branch. The format is fixed: SUNB = bank code, 0 = reserved, 000012 = branch identifier.
Branch details at a glance
| Bank Name | Surat National Cooperative Bank Limited |
|---|---|
| IFSC Code | SUNB0000012 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UG -20 TO 23, TAPTI GANGA MARKET, UMARWADA |
| State | Gujarat |
| Phone | 2362500 |
About Surat National Cooperative Bank Limited
Surat National Cooperative Bank Limited operates a wide network of branches across India, including the branch in . 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, SUNB0000012.
About this branch
The branch is located at UG -20 TO 23, TAPTI GANGA MARKET, UMARWADA. It serves the region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Surat National Cooperative Bank Limited. The IFSC SUNB0000012 is used to identify this branch on the RBI payments network.
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 SUNB0000012.
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 SUNB0000012, money simply cannot be routed to the branch electronically.
How to transfer money using IFSC SUNB0000012
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 SUNB0000012 across all three.
NEFT to Surat National Cooperative Bank Limited, using IFSC SUNB0000012
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 SUNB0000012, 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 SUNB0000012 while initiating the transfer and the credit will appear within minutes.
IMPS to Surat National Cooperative Bank Limited (IFSC SUNB0000012)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SUNB0000012 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to
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 SUNB0000012:
- 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 is still linked to IFSC SUNB0000012.
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.
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 SUNB0000012 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.
Products and account variants supported
Every account opened at the branch is mapped to IFSC SUNB0000012 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 SUNB0000012.
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 SUNB0000012
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 SUNB0000012 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.
Online banking and IFSC SUNB0000012
Surat National Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 SUNB0000012 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.
Common mistakes to avoid when using IFSC SUNB0000012
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:
SUNB0000012. - 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 UG -20 TO 23, TAPTI GANGA MARKET, UMARWADA, 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 SUNB0000012 should appear at the top of the results.
- Confirm the branch is open by calling 2362500 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 SUNB0000012 and your account number.
Verifying IFSC SUNB0000012 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 SUNB0000012 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2362500.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SUNB0000012, however, work 24x7.
Branch address & contact
Surat National Cooperative Bank LimitedBranch
UG -20 TO 23, TAPTI GANGA MARKET, UMARWADA
, Gujarat
Phone: 2362500
IFSC: SUNB0000012
Frequently asked questions
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.
Does Surat National Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2362500 to confirm.
How quickly will an NEFT transfer using SUNB0000012 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Surat National Cooperative Bank Limited – reflect within 30 minutes.
Is IFSC SUNB0000012 valid for NEFT and RTGS?
Yes. IFSC SUNB0000012 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SUNB0000012 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SUNB0000012 to send funds instantly.
What is the phone number of Surat National Cooperative Bank Limited branch?
You can reach the branch at 2362500 during regular banking hours.
What is the IFSC code of Surat National Cooperative Bank Limited branch?
The IFSC code of Surat National Cooperative Bank Limited, branch is SUNB0000012. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: SUNB0000012 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.
