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

Below are the complete branch details for Suryoday Small Finance Bank Limited, PANCHAKAHANIA branch, located in DHENKANAL, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is SURY0000063. 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 SURY0000063 for Suryoday Small Finance Bank Limited – PANCHAKAHANIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Suryoday Small Finance Bank Limited's PANCHAKAHANIA branch, the IFSC SURY0000063 breaks down as follows: SURY identifies the bank, 0 is the reserved character, and 000063 identifies this particular branch.

Branch details at a glance

About the bank

Suryoday Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Panchakahania branch in Dhenkanal, Odisha is part of this network and uses the IFSC code SURY0000063 for all electronic settlement.

About the Panchakahania branch

The Panchakahania branch of Suryoday Small Finance Bank Limited is situated at PLOT NO.69,CALTEX SQUARE,NEAR NH 55-PANCHAKAHANIA,STATION ROAD,DHENKANAL R S,DHENKANAL - 759013,ODISHA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SURY0000063 is used.

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 Suryoday Small Finance Bank Limited's PANCHAKAHANIA branch came to be assigned the code SURY0000063.

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 SURY0000063, money simply cannot be routed to the PANCHAKAHANIA branch electronically.

How to transfer money using IFSC SURY0000063

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 SURY0000063 across all three.

How to use IFSC SURY0000063 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 PANCHAKAHANIA 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 SURY0000063.
4. Confirm the bank name auto-populates as Suryoday Small Finance Bank Limited and the branch as PANCHAKAHANIA.
5. 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 PANCHAKAHANIA

If you need to transfer ₹2 lakh or more in one go to an account at Suryoday Small Finance Bank Limited's PANCHAKAHANIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SURY0000063 while initiating the transfer and the credit will appear within minutes.

IMPS to Suryoday Small Finance Bank Limited PANCHAKAHANIA (IFSC SURY0000063)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SURY0000063 in your mobile or internet banking app, and the money is credited to the PANCHAKAHANIA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SURY0000063 for Suryoday Small Finance Bank Limited – PANCHAKAHANIA, 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 Panchakahania 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 PANCHAKAHANIA branch, the IFSC SURY0000063 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 Panchakahania branch is mapped to IFSC SURY0000063 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 SURY0000063.

Products and services

Customers walking into the Panchakahania 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 SURY0000063

MICR & cheque-truncation details

Cheques drawn on the Panchakahania branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SURY0000063 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Panchakahania 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 SURY0000063 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.

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 – PANCHAKAHANIA:

• The IFSC is exactly SURY0000063 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 PANCHAKAHANIA 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.

How to reach the Panchakahania branch

The branch is located at PLOT NO.69,CALTEX SQUARE,NEAR NH 55-PANCHAKAHANIA,STATION ROAD,DHENKANAL R S,DHENKANAL - 759013,ODISHA, which puts it inside Dhenkanal, the broader Dhenkanal district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Suryoday Small Finance Bank Limited Panchakahania branch” — the verified location pin for IFSC SURY0000063 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 SURY0000063 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SURY0000063 for Suryoday Small Finance Bank Limited – PANCHAKAHANIA, 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 Panchakahania branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SURY0000063, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SURY0000063 belongs to Suryoday Small Finance Bank Limited's PANCHAKAHANIA branch, located at PLOT NO.69,CALTEX SQUARE,NEAR NH 55-PANCHAKAHANIA,STATION ROAD,DHENKANAL R… in DHENKANAL, ODISHA. 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.