IFSC Code of Suryoday Small Finance Bank Limited, Saravali Branch, Maharashtra

Use this page as a one-stop reference for everything related to Suryoday Small Finance Bank Limited's SARAVALI branch in THANE, MAHARASHTRA. The branch's IFSC code SURY0000035 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.

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 SARAVALI branch, the IFSC SURY0000035 breaks down as follows: SURY identifies the bank, 0 is the reserved character, and 000035 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 Saravali branch in Thane, Maharashtra is part of this network and uses the IFSC code SURY0000035 for all electronic settlement.

Saravali branch overview

Located at SHOP NUMBER 2& 3,GROUND FLOOR,SUNDARA AAI PARK,GRAMPANCHAYAT HOUSE NO.778,SARAVALI VILLAGE,NEAR MIDC,TALUKA -BHIWANDI,THANE, the Saravali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SURY0000035 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 SARAVALI of Suryoday Small Finance Bank Limited — its own 11-character IFSC. The code SURY0000035 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 SURY0000035 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 SURY0000035

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 SURY0000035 across all three.

NEFT to Suryoday Small Finance Bank Limited, SARAVALI using IFSC SURY0000035

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 SURY0000035, and confirm that the system picks up Suryoday Small Finance Bank Limited – SARAVALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SARAVALI

If you need to transfer ₹2 lakh or more in one go to an account at Suryoday Small Finance Bank Limited's SARAVALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SURY0000035 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 – SARAVALI, use IMPS. With IFSC SURY0000035 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 SURY0000035 for Suryoday Small Finance Bank Limited – SARAVALI, 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 Saravali 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 SARAVALI branch, the IFSC SURY0000035 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.

Account types you can open at the Saravali branch

Once you have an account at Suryoday Small Finance Bank Limited – SARAVALI, the IFSC SURY0000035 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.

Banking services available

The Saravali 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 SURY0000035

MICR & cheque-truncation details

Cheques drawn on the Saravali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SURY0000035 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SURY0000035

Suryoday Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SARAVALI 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 SURY0000035 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.

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 – SARAVALI:

• The IFSC is exactly SURY0000035 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 SARAVALI 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 Saravali branch

The branch is located at SHOP NUMBER 2& 3,GROUND FLOOR,SUNDARA AAI PARK,GRAMPANCHAYAT HOUSE NO.778,SARAVALI VILLAGE,NEAR MIDC,TALUKA -BHIWANDI,THANE, which puts it inside Thane, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Suryoday Small Finance Bank Limited Saravali branch” — the verified location pin for IFSC SURY0000035 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 SURY0000035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SURY0000035 for Suryoday Small Finance Bank Limited – SARAVALI, 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 Saravali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SURY0000035, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SURY0000035 belongs to Suryoday Small Finance Bank Limited's SARAVALI branch, located at SHOP NUMBER 2& 3,GROUND FLOOR,SUNDARA AAI PARK,GRAMPANCHAYAT HOUSE… in THANE, 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.