IFSC Code of Sutex Cooperative Bank Limited, RTGS-HO Branch, Gujarat

If you are searching for the IFSC code of Sutex Cooperative Bank Limited, RTGS-HO branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SUTB0000001. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RTGS-HO branch, and detailed step-by-step guides for using the IFSC SUTB0000001 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 Sutex Cooperative Bank Limited's RTGS-HO branch, the IFSC SUTB0000001 breaks down as follows: SUTB identifies the bank, 0 is the reserved character, and 000001 identifies this particular branch.

Bank profile

Sutex Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The RTGS-HO branch — IFSC SUTB0000001 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at 2ND FLOOR, SURAJRAM BACHKANIWALA BHAVAN,NR.NAVJIVAN CIRCLE,UDHNA MAGDALLA RD., SURAT-395017,GUJARAT (INDIA). 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 SUTB0000001 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Sutex Cooperative 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 Sutex Cooperative Bank Limited — its own 11-character IFSC. The code SUTB0000001 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 SUTB0000001 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Sutex Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SUTB0000001 and the account number together uniquely identify the RTGS-HO branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SUTB0000001

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 SUTB0000001 across all three.

NEFT to Sutex Cooperative Bank Limited, RTGS-HO using IFSC SUTB0000001

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 SUTB0000001, and confirm that the system picks up Sutex Cooperative Bank Limited – RTGS-HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SUTB0000001

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 Sutex Cooperative Bank Limited – RTGS-HO, ensure your bank's portal accepts IFSC SUTB0000001 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Sutex Cooperative Bank Limited RTGS-HO (IFSC SUTB0000001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SUTB0000001 in your mobile or internet banking app, and the money is credited to the RTGS-HO branch account within seconds.

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

All three modes accept the IFSC SUTB0000001 for Sutex Cooperative 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 Sutex Cooperative Bank Limited's RTGS-HO branch, the IFSC SUTB0000001 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 RTGS-HO branch

Once you have an account at Sutex Cooperative Bank Limited – RTGS-HO, the IFSC SUTB0000001 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 RTGS-HO 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 SUTB0000001

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 SUTB0000001 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.

How to reach the RTGS-HO branch

The branch is located at 2ND FLOOR, SURAJRAM BACHKANIWALA BHAVAN,NR.NAVJIVAN CIRCLE,UDHNA MAGDALLA RD., SURAT-395017,GUJARAT (INDIA), which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Sutex Cooperative Bank Limited RTGS-HO branch” — the verified location pin for IFSC SUTB0000001 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2632519 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 SUTB0000001 and your account number.

Common mistakes to avoid when using IFSC SUTB0000001

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 – RTGS-HO, 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: SUTB0000001.
• 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.

Working hours

Branch counters at RTGS-HO 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 SUTB0000001 continue to work without interruption.

Verifying IFSC SUTB0000001 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 SUTB0000001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2632519.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: SUTB0000001 is the IFSC code of Sutex Cooperative Bank Limited, RTGS-HO 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.