IFSC Code of Suryoday Small Finance Bank Limited, Arakkonam Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Suryoday Small Finance Bank Limited, ARAKKONAM branch in VELLORE. The 11-digit IFSC SURY0050023 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 ARAKKONAM 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.

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 ARAKKONAM branch, the IFSC SURY0050023 breaks down as follows: SURY identifies the bank, 0 is the reserved character, and 050023 identifies this particular branch.

Bank profile

Suryoday Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Arakkonam branch — IFSC SURY0050023 — extends the bank's services to customers in and around Vellore, Tamil Nadu.

Arakkonam branch overview

Located at HIG 66,TNHB,JOTHI NAGAR,ARAKKONAM,VELLORE,TAMIL NADU - 631003, the Arakkonam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SURY0050023 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 ARAKKONAM branch came to be assigned the code SURY0050023.

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 SURY0050023, money simply cannot be routed to the ARAKKONAM branch electronically.

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 SURY0050023 and the account number together uniquely identify the Arakkonam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SURY0050023

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 SURY0050023 across all three.

NEFT to Suryoday Small Finance Bank Limited, ARAKKONAM using IFSC SURY0050023

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 SURY0050023, and confirm that the system picks up Suryoday Small Finance Bank Limited – ARAKKONAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ARAKKONAM

If you need to transfer ₹2 lakh or more in one go to an account at Suryoday Small Finance Bank Limited's ARAKKONAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SURY0050023 while initiating the transfer and the credit will appear within minutes.

IMPS to Suryoday Small Finance Bank Limited ARAKKONAM (IFSC SURY0050023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SURY0050023 in your mobile or internet banking app, and the money is credited to the ARAKKONAM branch account within seconds.

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

All three modes accept the IFSC SURY0050023 for Suryoday Small Finance Bank Limited – ARAKKONAM, 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 Arakkonam 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 SURY0050023

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 – ARAKKONAM is still mapped to IFSC SURY0050023. 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 SURY0050023 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Arakkonam branch is mapped to IFSC SURY0050023 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 SURY0050023.

Products and services

Customers walking into the Arakkonam 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 SURY0050023

Digital banking channels

Most day-to-day work that customers used to do at the Arakkonam 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 SURY0050023 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 Arakkonam branch sits at HIG 66,TNHB,JOTHI NAGAR,ARAKKONAM,VELLORE,TAMIL NADU - 631003. If you are travelling from outside Vellore, 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 SURY0050023 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 – ARAKKONAM:

• The IFSC is exactly SURY0050023 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 ARAKKONAM 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.

Working hours

Branch counters at Arakkonam 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 SURY0050023 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SURY0050023 for Suryoday Small Finance Bank Limited – ARAKKONAM, 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 address & contact

Frequently asked questions

Summary

The IFSC code SURY0050023 belongs to Suryoday Small Finance Bank Limited's ARAKKONAM branch, located at HIG 66,TNHB,JOTHI NAGAR,ARAKKONAM,VELLORE,TAMIL NADU - 631003 in VELLORE, TAMIL NADU. 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.