IFSC Code of Suryoday Small Finance Bank Limited, RTGS-HO Branch, Maharashtra

Below are the complete branch details for Suryoday Small Finance Bank Limited, RTGS-HO branch, located in NAVI MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SURY0000001. 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 SURY0000001 for Suryoday Small Finance Bank Limited – RTGS-HO — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – RTGS-HO is SURY0000001. The first four letters SURY are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000001 map to this branch in NAVI MUMBAI, MAHARASHTRA.

Bank profile

Suryoday Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The RTGS-HO branch — IFSC SURY0000001 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.

Branch details at a glance

About this branch

The branch is located at UNIT NUMBER 302,SECTOR 11,201 IN PUJIT PLAZA BUILDING,NAVI MUMBAI. It serves the Navi Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Suryoday Small Finance Bank Limited. The IFSC SURY0000001 is used to identify this branch on the RBI payments network.

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 RTGS-HO of Suryoday Small Finance Bank Limited — its own 11-character IFSC. The code SURY0000001 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 SURY0000001 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the RTGS-HO branch is mapped to IFSC SURY0000001 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 SURY0000001.

Banking services available

The RTGS-HO 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 SURY0000001

How to transfer money using IFSC SURY0000001

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 SURY0000001 across all three.

How to use IFSC SURY0000001 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 RTGS-HO 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 SURY0000001.
4. Confirm the bank name auto-populates as Suryoday Small Finance Bank Limited and the branch as RTGS-HO.
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 RTGS-HO

If you need to transfer ₹2 lakh or more in one go to an account at Suryoday Small Finance Bank Limited's RTGS-HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SURY0000001 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Suryoday Small Finance Bank Limited – RTGS-HO, use IMPS. With IFSC SURY0000001 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 SURY0000001 for Suryoday Small Finance Bank Limited – RTGS-HO, 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 RTGS-HO 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 RTGS-HO branch, the IFSC SURY0000001 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.

Digital banking channels

Most day-to-day work that customers used to do at the RTGS-HO 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 SURY0000001 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.

MICR & cheque-truncation details

Cheques drawn on the RTGS-HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SURY0000001 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – RTGS-HO:

• The IFSC is exactly SURY0000001 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 RTGS-HO 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 RTGS-HO branch sits at UNIT NUMBER 302,SECTOR 11,201 IN PUJIT PLAZA BUILDING,NAVI MUMBAI. If you are travelling from outside Navi Mumbai, 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 SURY0000001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SURY0000001 for Suryoday Small Finance Bank Limited – RTGS-HO, 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 RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SURY0000001, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SURY0000001 belongs to Suryoday Small Finance Bank Limited's RTGS-HO branch, located at UNIT NUMBER 302,SECTOR 11,201 IN PUJIT PLAZA BUILDING,NAVI MUMBAI in NAVI MUMBAI, MAHARASHTRA. 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.