This page lists the IFSC code, branch address, contact number and fund-transfer information for Surat National Cooperative Bank Limited, branch in . The 11-digit IFSC SUNB0000013 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 Surat National Cooperative Bank Limited at the 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.
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 SUNB0000013. The first four letters SUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000013 map to this branch in , GUJARAT.
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 SUNB0000013 for all electronic settlement.
branch overview
Located at PLOT NO. 6 & 7, AKSHARKUNJ CO-OP. HOUSING SOCIETY, LIMITED, NEAR GAJERA SCHOOL, KATARGAM, SURAT, 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 SUNB0000013 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Surat National Cooperative Bank Limited |
|---|---|
| IFSC Code | SUNB0000013 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO. 6 & 7, AKSHARKUNJ CO-OP. HOUSING SOCIETY, LIMITED, NEAR GAJERA SCHOOL, KATARGAM, SURAT |
| State | Gujarat |
| Phone | 2487700 |
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 SUNB0000013 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 SUNB0000013 the same way you would treat your account number — verify it once and save it carefully for future use.
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 SUNB0000013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SUNB0000013
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 SUNB0000013 across all three.
NEFT to Surat National Cooperative Bank Limited, using IFSC SUNB0000013
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 SUNB0000013, 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.
RTGS transfers via IFSC SUNB0000013
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 SUNB0000013 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Surat National Cooperative Bank Limited (IFSC SUNB0000013)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SUNB0000013 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SUNB0000013 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 – SUNB0000013 | Yes – SUNB0000013 | Yes – SUNB0000013 |
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 SUNB0000013 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 SUNB0000013 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 SUNB0000013.
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 SUNB0000013
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 SUNB0000013 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.
Reaching the branch
The branch sits at PLOT NO. 6 & 7, AKSHARKUNJ CO-OP. HOUSING SOCIETY, LIMITED, NEAR GAJERA SCHOOL, KATARGAM, SURAT. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 2487700 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 SUNB0000013 and your account number.
Common mistakes to avoid when using IFSC SUNB0000013
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:
SUNB0000013. - 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.
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 SUNB0000013 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SUNB0000013 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.
Branch address & contact
Surat National Cooperative Bank LimitedBranch
PLOT NO. 6 & 7, AKSHARKUNJ CO-OP. HOUSING SOCIETY, LIMITED, NEAR GAJERA SCHOOL, KATARGAM, SURAT
, Gujarat
Phone: 2487700
IFSC: SUNB0000013
Frequently asked questions
Where is Surat National Cooperative Bank Limited branch located?
Surat National Cooperative Bank Limited's branch is located at PLOT NO. 6 & 7, AKSHARKUNJ CO-OP. HOUSING SOCIETY, LIMITED, NEAR GAJERA SCHOOL, KATARGAM, SURAT, , Gujarat.
How quickly will an NEFT transfer using SUNB0000013 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Surat National Cooperative Bank Limited – reflect within 30 minutes.
Does Surat National Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2487700 to confirm.
What is the phone number of Surat National Cooperative Bank Limited branch?
You can reach the branch at 2487700 during regular banking hours.
Can I use IFSC SUNB0000013 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SUNB0000013 to send funds instantly.
Is IFSC SUNB0000013 valid for NEFT and RTGS?
Yes. IFSC SUNB0000013 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC SUNB0000013 the same for all accounts at branch?
Yes. The IFSC SUNB0000013 is shared by every account held at Surat National Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
Summary
The IFSC code SUNB0000013 belongs to Surat National Cooperative Bank Limited's branch, located at PLOT NO. 6 & 7, AKSHARKUNJ CO-OP. HOUSING SOCIETY, LIMITED, NEAR GAJERA… in , GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
