IFSC Code of The Mehsana Urban Cooperative Bank, Udhna, Surat Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, UDHNA, SURAT branch in SURAT. The 11-digit IFSC MSNU0000054 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 The Mehsana Urban Cooperative Bank at the UDHNA, SURAT 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.

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 The Mehsana Urban Cooperative Bank – UDHNA, SURAT is MSNU0000054. The first four letters MSNU are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000054 map to this branch in SURAT, GUJARAT.

About the bank

The Mehsana Urban Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Udhna, Surat branch in Surat, Gujarat is part of this network and uses the IFSC code MSNU0000054 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at BRC, LAXMINARAYAN MANDIR, NEAR SURAT TEXTILE BOURSE, UDHNA - NAVSARI MAIN ROAD, SURAT., DIST. - SURAT, STATE - GUJARAT. 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 The Mehsana Urban Cooperative Bank. The IFSC MSNU0000054 is used to identify this branch on the RBI payments network.

Why every The Mehsana Urban Cooperative Bank 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, SURAT of The Mehsana Urban Cooperative Bank — its own 11-character IFSC. The code MSNU0000054 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 MSNU0000054 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Udhna, Surat branch is mapped to IFSC MSNU0000054 on the RBI payments network. The branch generally supports the full retail product catalogue of The Mehsana Urban Cooperative Bank, 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 MSNU0000054.

Banking services available

The Udhna, Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-0.

• 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 MSNU0000054

How to transfer money using IFSC MSNU0000054

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 MSNU0000054 across all three.

NEFT to The Mehsana Urban Cooperative Bank, UDHNA, SURAT using IFSC MSNU0000054

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 MSNU0000054, and confirm that the system picks up The Mehsana Urban Cooperative Bank – UDHNA, SURAT. 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, SURAT

If you need to transfer ₹2 lakh or more in one go to an account at The Mehsana Urban Cooperative Bank's UDHNA, SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSNU0000054 while initiating the transfer and the credit will appear within minutes.

IMPS to The Mehsana Urban Cooperative Bank UDHNA, SURAT (IFSC MSNU0000054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000054 in your mobile or internet banking app, and the money is credited to the UDHNA, SURAT branch account within seconds.

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

All three modes accept the IFSC MSNU0000054 for The Mehsana Urban Cooperative Bank – UDHNA, SURAT, 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, Surat 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 MSNU0000054

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 The Mehsana Urban Cooperative Bank – UDHNA, SURAT is still mapped to IFSC MSNU0000054. 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 MSNU0000054 and the beneficiary's account number to complete the transfer.

Online banking and IFSC MSNU0000054

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the UDHNA, SURAT 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 MSNU0000054 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.

MICR & cheque-truncation details

Cheques drawn on the Udhna, Surat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MSNU0000054 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 The Mehsana Urban Cooperative Bank – UDHNA, SURAT:

• The IFSC is exactly MSNU0000054 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Mehsana Urban Cooperative Bank as the bank name and UDHNA, SURAT 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.

How to reach the Udhna, Surat branch

The branch is located at BRC, LAXMINARAYAN MANDIR, NEAR SURAT TEXTILE BOURSE, UDHNA - NAVSARI MAIN ROAD, SURAT., DIST. - SURAT, STATE - GUJARAT, 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 “The Mehsana Urban Cooperative Bank Udhna, Surat branch” — the verified location pin for IFSC MSNU0000054 should appear at the top of the results.
2. Confirm the branch is open by calling 261-0 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 MSNU0000054 and your account number.

Verifying IFSC MSNU0000054 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 MSNU0000054 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Udhna, Surat 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 MSNU0000054 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MSNU0000054 is the IFSC code of The Mehsana Urban Cooperative Bank, UDHNA, SURAT 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.