IFSC Code of Suryoday Small Finance Bank Limited, Jhinkiria Branch, Odisha

Use this page as a one-stop reference for everything related to Suryoday Small Finance Bank Limited's JHINKIRIA branch in CUTTACK, ODISHA. The branch's IFSC code SURY0000061 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 Suryoday Small Finance Bank Limited – JHINKIRIA is SURY0000061. The first four letters SURY are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000061 map to this branch in CUTTACK, ODISHA.

Bank profile

Suryoday Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jhinkiria branch — IFSC SURY0000061 — extends the bank's services to customers in and around Cuttack, Odisha.

Jhinkiria branch overview

Located at SURYODAY SMALL FINANCE BANK LIMITED,AT-BERHAMPUR,P.O.-JHINKIRIA,VIA-BENTAKAR,DIST.-CUTTACK,PIN - 754112, the Jhinkiria branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SURY0000061 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 JHINKIRIA of Suryoday Small Finance Bank Limited — its own 11-character IFSC. The code SURY0000061 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 SURY0000061 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 Jhinkiria branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SURY0000061 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 SURY0000061

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 SURY0000061 across all three.

NEFT to Suryoday Small Finance Bank Limited, JHINKIRIA using IFSC SURY0000061

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 SURY0000061, and confirm that the system picks up Suryoday Small Finance Bank Limited – JHINKIRIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SURY0000061

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 – JHINKIRIA, ensure your bank's portal accepts IFSC SURY0000061 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 – JHINKIRIA, use IMPS. With IFSC SURY0000061 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Jhinkiria

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 SURY0000061:

• 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 JHINKIRIA is still linked to IFSC SURY0000061.

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.

UPI payments and IFSC SURY0000061

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Suryoday Small Finance Bank Limited – JHINKIRIA is still mapped to IFSC SURY0000061. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SURY0000061 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jhinkiria branch is mapped to IFSC SURY0000061 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 SURY0000061.

Banking services available

The Jhinkiria branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 SURY0000061

Digital banking channels

Most day-to-day work that customers used to do at the Jhinkiria 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 SURY0000061 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 Jhinkiria branch sits at SURYODAY SMALL FINANCE BANK LIMITED,AT-BERHAMPUR,P.O.-JHINKIRIA,VIA-BENTAKAR,DIST.-CUTTACK,PIN - 754112. If you are travelling from outside Cuttack, 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 SURY0000061 and your account number.

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 Suryoday Small Finance Bank Limited – JHINKIRIA:

• The IFSC is exactly SURY0000061 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Suryoday Small Finance Bank Limited as the bank name and JHINKIRIA 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.

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 Jhinkiria branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SURY0000061, however, work 24x7.

Verifying IFSC SURY0000061 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 SURY0000061 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: SURY0000061 is the IFSC code of Suryoday Small Finance Bank Limited, JHINKIRIA branch, in CUTTACK, ODISHA. 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.