IFSC Code of Sutex Cooperative Bank Limited, Adajan-Pal Raod Branch, Gujarat

Below are the complete branch details for Sutex Cooperative Bank Limited, ADAJAN-PAL RAOD branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SUTB0248018. 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 SUTB0248018 for Sutex Cooperative Bank Limited – ADAJAN-PAL RAOD — 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 Sutex Cooperative Bank Limited's ADAJAN-PAL RAOD branch, the IFSC SUTB0248018 breaks down as follows: SUTB identifies the bank, 0 is the reserved character, and 248018 identifies this particular branch.

About Sutex Cooperative Bank Limited

Sutex Cooperative Bank Limited operates a wide network of branches across India, including the Adajan-Pal Raod branch in Surat. 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, SUTB0248018.

Branch details at a glance

About this branch

The branch is located at 1ST FLOOR, J-9 CENTRE, NEAR STAR BAZAAR, ADAJAN ROAD. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Sutex Cooperative Bank Limited. The IFSC SUTB0248018 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 Sutex Cooperative Bank Limited's ADAJAN-PAL RAOD branch came to be assigned the code SUTB0248018.

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 SUTB0248018, money simply cannot be routed to the ADAJAN-PAL RAOD branch electronically.

Products and account variants supported

Every account opened at the Adajan-Pal Raod branch is mapped to IFSC SUTB0248018 on the RBI payments network. The branch generally supports the full retail product catalogue of Sutex Cooperative 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 SUTB0248018.

Products and services

Customers walking into the Adajan-Pal Raod branch can access most of Sutex Cooperative 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 SUTB0248018

How to transfer money using IFSC SUTB0248018

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 SUTB0248018 across all three.

How to use IFSC SUTB0248018 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Sutex Cooperative Bank Limited's ADAJAN-PAL RAOD 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 SUTB0248018.
4. Confirm the bank name auto-populates as Sutex Cooperative Bank Limited and the branch as ADAJAN-PAL RAOD.
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 ADAJAN-PAL RAOD

If you need to transfer ₹2 lakh or more in one go to an account at Sutex Cooperative Bank Limited's ADAJAN-PAL RAOD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SUTB0248018 while initiating the transfer and the credit will appear within minutes.

IMPS to Sutex Cooperative Bank Limited ADAJAN-PAL RAOD (IFSC SUTB0248018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SUTB0248018 in your mobile or internet banking app, and the money is credited to the ADAJAN-PAL RAOD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Adajan-Pal Raod

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SUTB0248018:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ADAJAN-PAL RAOD is still linked to IFSC SUTB0248018.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 Sutex Cooperative Bank Limited's ADAJAN-PAL RAOD branch, the IFSC SUTB0248018 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 Adajan-Pal Raod 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 SUTB0248018 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 Adajan-Pal Raod branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SUTB0248018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC SUTB0248018

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Sutex Cooperative Bank Limited – ADAJAN-PAL RAOD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SUTB0248018.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Adajan-Pal Raod branch sits at 1ST FLOOR, J-9 CENTRE, NEAR STAR BAZAAR, ADAJAN ROAD. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 0 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 SUTB0248018 and your account number.

Verifying IFSC SUTB0248018 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 SUTB0248018 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Adajan-Pal Raod 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 SUTB0248018 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SUTB0248018 is the IFSC code of Sutex Cooperative Bank Limited, ADAJAN-PAL RAOD branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.