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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Sutex Cooperative Bank Limited, UDHNA MAIN ROAD branch in SURAT. The 11-digit IFSC SUTB0248017 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 Sutex Cooperative Bank Limited at the UDHNA MAIN ROAD 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 Sutex Cooperative Bank Limited's UDHNA MAIN ROAD branch, the IFSC SUTB0248017 breaks down as follows: SUTB identifies the bank, 0 is the reserved character, and 248017 identifies this particular branch.

Branch details at a glance

About the bank

Sutex Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Udhna Main Road branch in Surat, Gujarat is part of this network and uses the IFSC code SUTB0248017 for all electronic settlement.

Udhna Main Road branch overview

Located at SHOP NO 7 BY 8 BY 8 BY 9 UPPER GROUND FLOOR,SHREENATH CHEMEBRS,UDHNA SURAT-394210,GUJARAT (INDIA), the Udhna Main 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 SUTB0248017 is required for all interbank electronic transfers routed through this branch.

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 MAIN ROAD of Sutex Cooperative Bank Limited — its own 11-character IFSC. The code SUTB0248017 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 SUTB0248017 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 SUTB0248017

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 SUTB0248017 across all three.

NEFT to Sutex Cooperative Bank Limited, UDHNA MAIN ROAD using IFSC SUTB0248017

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 SUTB0248017, and confirm that the system picks up Sutex Cooperative Bank Limited – UDHNA MAIN ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UDHNA MAIN ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Sutex Cooperative Bank Limited's UDHNA MAIN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SUTB0248017 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Sutex Cooperative Bank Limited – UDHNA MAIN ROAD, use IMPS. With IFSC SUTB0248017 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 SUTB0248017 for Sutex Cooperative Bank Limited – UDHNA MAIN 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 Main 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.

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 UDHNA MAIN ROAD branch, the IFSC SUTB0248017 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 Udhna Main Road branch

Once you have an account at Sutex Cooperative Bank Limited – UDHNA MAIN ROAD, the IFSC SUTB0248017 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 Udhna Main Road 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 SUTB0248017

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 SUTB0248017 and the account number together uniquely identify the Udhna Main Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SUTB0248017

Sutex Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UDHNA MAIN 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 SUTB0248017 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.

Common mistakes to avoid when using IFSC SUTB0248017

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 MAIN 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: SUTB0248017.
• 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 Udhna Main Road branch sits at SHOP NO 7 BY 8 BY 8 BY 9 UPPER GROUND FLOOR,SHREENATH CHEMEBRS,UDHNA SURAT-394210,GUJARAT (INDIA). If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2273323 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 SUTB0248017 and your account number.

Verifying IFSC SUTB0248017 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 SUTB0248017 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2273323.
• Visiting the bank's official branch locator page.

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 Main Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SUTB0248017, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SUTB0248017 belongs to Sutex Cooperative Bank Limited's UDHNA MAIN ROAD branch, located at SHOP NO 7 BY 8 BY 8 BY 9 UPPER GROUND FLOOR,SHREENATH CHEMEBRS,UDHNA… 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.