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 SUNB0000015 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.
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 SUNB0000015. The first four letters SUNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000015 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 SUNB0000015 for all electronic settlement.
Branch details at a glance
| Bank Name | Surat National Cooperative Bank Limited |
|---|---|
| IFSC Code | SUNB0000015 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 4260 GROUND FLOOR, STATION ROAD, BARDOLI |
| State | Gujarat |
| Phone | 226001 |
About this branch
The branch is located at 4260 GROUND FLOOR, STATION ROAD, BARDOLI. 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 SUNB0000015 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 SUNB0000015.
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 SUNB0000015, money simply cannot be routed to the branch electronically.
Account types you can open at the branch
Once you have an account at Surat National Cooperative Bank Limited – , the IFSC SUNB0000015 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 226001.
- 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 SUNB0000015
How to transfer money using IFSC SUNB0000015
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 SUNB0000015 across all three.
How to use IFSC SUNB0000015 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 SUNB0000015.
- 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 SUNB0000015 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 SUNB0000015 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 SUNB0000015 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 – SUNB0000015 | Yes – SUNB0000015 | Yes – SUNB0000015 |
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 SUNB0000015 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.
Online banking and IFSC SUNB0000015
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 SUNB0000015 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.
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 SUNB0000015 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 SUNB0000015 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 4260 GROUND FLOOR, STATION ROAD, BARDOLI. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 226001 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 SUNB0000015 and your account number.
Verifying IFSC SUNB0000015 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 SUNB0000015 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 226001.
- 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 SUNB0000015, however, work 24x7.
Branch address & contact
Surat National Cooperative Bank LimitedBranch
4260 GROUND FLOOR, STATION ROAD, BARDOLI
, Gujarat
Phone: 226001
IFSC: SUNB0000015
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 226001 to confirm.
Can I use IFSC SUNB0000015 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SUNB0000015 to send funds instantly.
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 4260 GROUND FLOOR, STATION ROAD, BARDOLI, , Gujarat.
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 SUNB0000015, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using SUNB0000015 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 SUNB0000015 the same for all accounts at branch?
Yes. The IFSC SUNB0000015 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: SUNB0000015 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.
