IFSC Code of Suryoday Small Finance Bank Limited, Kamraj Nagar Branch, Puducherry

This page lists the IFSC code, branch address, contact number and fund-transfer information for Suryoday Small Finance Bank Limited, KAMRAJ NAGAR branch in PUDUCHERRY. The 11-digit IFSC SURY0000020 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 KAMRAJ NAGAR 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, SURY0000020 is the IFSC of Suryoday Small Finance Bank Limited's KAMRAJ NAGAR branch. The format is fixed: SURY = bank code, 0 = reserved, 000020 = branch identifier.

About Suryoday Small Finance Bank Limited

Suryoday Small Finance Bank Limited operates a wide network of branches across India, including the Kamraj Nagar branch in Puducherry. 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, SURY0000020.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR,S J MODERN TOWER,AT NO.13,VALLALAR SALAI,KAMRAJ NAGAR,PUDUCHERRY. It serves the Puducherry 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 SURY0000020 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 Suryoday Small Finance Bank Limited's KAMRAJ NAGAR branch came to be assigned the code SURY0000020.

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 SURY0000020, money simply cannot be routed to the KAMRAJ NAGAR branch electronically.

Account types you can open at the Kamraj Nagar branch

Once you have an account at Suryoday Small Finance Bank Limited – KAMRAJ NAGAR, the IFSC SURY0000020 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.

Products and services

Customers walking into the Kamraj Nagar 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 SURY0000020

How to transfer money using IFSC SURY0000020

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 SURY0000020 across all three.

How to use IFSC SURY0000020 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 KAMRAJ NAGAR 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 SURY0000020.
4. Confirm the bank name auto-populates as Suryoday Small Finance Bank Limited and the branch as KAMRAJ NAGAR.
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 SURY0000020

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 – KAMRAJ NAGAR, ensure your bank's portal accepts IFSC SURY0000020 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 – KAMRAJ NAGAR, use IMPS. With IFSC SURY0000020 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 SURY0000020 for Suryoday Small Finance Bank Limited – KAMRAJ NAGAR, 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 Kamraj Nagar 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.

UPI payments and IFSC SURY0000020

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 – KAMRAJ NAGAR is still mapped to IFSC SURY0000020. 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 SURY0000020 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SURY0000020

Suryoday Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KAMRAJ NAGAR 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 SURY0000020 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 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 SURY0000020 and the account number together uniquely identify the Kamraj Nagar 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 Suryoday Small Finance Bank Limited – KAMRAJ NAGAR:

• The IFSC is exactly SURY0000020 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 KAMRAJ NAGAR 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 Kamraj Nagar branch sits at GROUND FLOOR,S J MODERN TOWER,AT NO.13,VALLALAR SALAI,KAMRAJ NAGAR,PUDUCHERRY. If you are travelling from outside Puducherry, 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 SURY0000020 and your account number.

Verifying IFSC SURY0000020 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 SURY0000020 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.

Working hours

Branch counters at Kamraj Nagar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SURY0000020 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SURY0000020 belongs to Suryoday Small Finance Bank Limited's KAMRAJ NAGAR branch, located at GROUND FLOOR,S J MODERN TOWER,AT NO.13,VALLALAR SALAI,KAMRAJ NAGAR,PUDUCHERRY in PUDUCHERRY, PUDUCHERRY. 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.