IFSC Code of Suryoday Small Finance Bank Limited, Nanganallur Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Suryoday Small Finance Bank Limited, NANGANALLUR branch in CHENNAI. The 11-digit IFSC SURY0000038 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 Suryoday Small Finance Bank Limited at the NANGANALLUR 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.

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, SURY0000038 is the IFSC of Suryoday Small Finance Bank Limited's NANGANALLUR branch. The format is fixed: SURY = bank code, 0 = reserved, 000038 = branch identifier.

Branch details at a glance

About Suryoday Small Finance Bank Limited

Suryoday Small Finance Bank Limited operates a wide network of branches across India, including the Nanganallur branch in Chennai. 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, SURY0000038.

Nanganallur branch overview

Located at 54,1STMAINROAD,NANGANALLUR,CHENNAI,TAMILNADU600061, the Nanganallur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SURY0000038 is required for all interbank electronic transfers routed through this branch.

Why every Suryoday Small Finance 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 NANGANALLUR of Suryoday Small Finance Bank Limited — its own 11-character IFSC. The code SURY0000038 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 SURY0000038 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SURY0000038

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 SURY0000038 across all three.

How to use IFSC SURY0000038 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Suryoday Small Finance Bank Limited's NANGANALLUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SURY0000038.
4. Confirm the bank name auto-populates as Suryoday Small Finance Bank Limited and the branch as NANGANALLUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SURY0000038

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 Suryoday Small Finance Bank Limited – NANGANALLUR, ensure your bank's portal accepts IFSC SURY0000038 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Suryoday Small Finance Bank Limited – NANGANALLUR, use IMPS. With IFSC SURY0000038 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 SURY0000038 for Suryoday Small Finance Bank Limited – NANGANALLUR, 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.

For most retail customers crediting the Nanganallur 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 Suryoday Small Finance Bank Limited's NANGANALLUR branch, the IFSC SURY0000038 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 Nanganallur branch is mapped to IFSC SURY0000038 on the RBI payments network. The branch generally supports the full retail product catalogue of Suryoday Small Finance 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 SURY0000038.

Products and services

Customers walking into the Nanganallur branch can access most of Suryoday Small Finance 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 SURY0000038

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Suryoday Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SURY0000038 and the account number together uniquely identify the Nanganallur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SURY0000038

Suryoday Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NANGANALLUR 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 SURY0000038 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 SURY0000038

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 Suryoday Small Finance Bank Limited – NANGANALLUR, 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: SURY0000038.
• 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.

Reaching the branch

The Nanganallur branch sits at 54,1STMAINROAD,NANGANALLUR,CHENNAI,TAMILNADU600061. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 SURY0000038 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SURY0000038 for Suryoday Small Finance Bank Limited – NANGANALLUR, 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 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 Nanganallur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SURY0000038, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SURY0000038 belongs to Suryoday Small Finance Bank Limited's NANGANALLUR branch, located at 54,1STMAINROAD,NANGANALLUR,CHENNAI,TAMILNADU600061 in CHENNAI, TAMIL NADU. 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.