IFSC Code of Sutex Cooperative Bank Limited, Udhna Magdalla Road Branch, Gujarat

Below are the complete branch details for Sutex Cooperative Bank Limited, UDHNA MAGDALLA ROAD branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SUTB0248009. 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 SUTB0248009 for Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD is SUTB0248009. The first four letters SUTB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 248009 map to this branch in SURAT, GUJARAT.

About Sutex Cooperative Bank Limited

Sutex Cooperative Bank Limited operates a wide network of branches across India, including the Udhna Magdalla Road 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, SUTB0248009.

Udhna Magdalla Road branch overview

Located at SURAJRAM BACHKANIWALA BHAVAN, GR.FLOOR,UDHNA-MAGDALLA RD., SURAT-395017,GUJARAT (INDIA)., the Udhna Magdalla Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SUTB0248009 is required for all interbank electronic transfers routed through this branch.

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 UDHNA MAGDALLA ROAD of Sutex Cooperative Bank Limited — its own 11-character IFSC. The code SUTB0248009 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 SUTB0248009 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Udhna Magdalla Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SUTB0248009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SUTB0248009

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 SUTB0248009 across all three.

NEFT to Sutex Cooperative Bank Limited, UDHNA MAGDALLA ROAD using IFSC SUTB0248009

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 SUTB0248009, and confirm that the system picks up Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SUTB0248009

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 – UDHNA MAGDALLA ROAD, ensure your bank's portal accepts IFSC SUTB0248009 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD, use IMPS. With IFSC SUTB0248009 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 SUTB0248009 for Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD, 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 Udhna Magdalla Road 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 SUTB0248009

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 Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD is still mapped to IFSC SUTB0248009. 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 SUTB0248009 and the beneficiary's account number to complete the transfer.

Account types you can open at the Udhna Magdalla Road branch

Once you have an account at Sutex Cooperative Bank Limited – UDHNA MAGDALLA ROAD, the IFSC SUTB0248009 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 Udhna Magdalla Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2630519.

• 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 SUTB0248009

Online banking and IFSC SUTB0248009

Sutex Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UDHNA MAGDALLA ROAD 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 SUTB0248009 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.

How to reach the Udhna Magdalla Road branch

The branch is located at SURAJRAM BACHKANIWALA BHAVAN, GR.FLOOR,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 Udhna Magdalla Road branch” — the verified location pin for IFSC SUTB0248009 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2630519 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 SUTB0248009 and your account number.

Common mistakes to avoid when using IFSC SUTB0248009

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 – UDHNA MAGDALLA ROAD, 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: SUTB0248009.
• 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.

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 Udhna Magdalla Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SUTB0248009, however, work 24x7.

Verifying IFSC SUTB0248009 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 SUTB0248009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2630519.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SUTB0248009 belongs to Sutex Cooperative Bank Limited's UDHNA MAGDALLA ROAD branch, located at SURAJRAM BACHKANIWALA BHAVAN, GR.FLOOR,UDHNA-MAGDALLA RD.,… in SURAT, GUJARAT. 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.