IFSC Code of The Surat District Cooperative Bank Limited, Anand Mahal Road Branch, Gujarat

Use this page as a one-stop reference for everything related to The Surat District Cooperative Bank Limited's ANAND MAHAL ROAD branch in SURAT, GUJARAT. The branch's IFSC code SDCB0000085 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Surat District Cooperative Bank Limited – ANAND MAHAL ROAD is SDCB0000085. The first four letters SDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000085 map to this branch in SURAT, GUJARAT.

About The Surat District Cooperative Bank Limited

The Surat District Cooperative Bank Limited operates a wide network of branches across India, including the Anand Mahal 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, SDCB0000085.

Anand Mahal Road branch overview

Located at GROUND FLOOR, SHOP NO 1,2,3, MANISHA APARTMENT, NEAR SNEH SANKUL WADI, ANAND MAHAL ROAD, PIN - 395005, the Anand Mahal 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 SDCB0000085 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 The Surat District Cooperative Bank Limited's ANAND MAHAL ROAD branch came to be assigned the code SDCB0000085.

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 SDCB0000085, money simply cannot be routed to the ANAND MAHAL ROAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Anand Mahal Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCB0000085 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 SDCB0000085

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 SDCB0000085 across all three.

NEFT to The Surat District Cooperative Bank Limited, ANAND MAHAL ROAD using IFSC SDCB0000085

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 SDCB0000085, and confirm that the system picks up The Surat District Cooperative Bank Limited – ANAND MAHAL 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 ANAND MAHAL ROAD

If you need to transfer ₹2 lakh or more in one go to an account at The Surat District Cooperative Bank Limited's ANAND MAHAL ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCB0000085 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Surat District Cooperative Bank Limited – ANAND MAHAL ROAD, use IMPS. With IFSC SDCB0000085 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 SDCB0000085 for The Surat District Cooperative Bank Limited – ANAND MAHAL 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 Anand Mahal 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 SDCB0000085

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 Surat District Cooperative Bank Limited – ANAND MAHAL ROAD is still mapped to IFSC SDCB0000085. 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 SDCB0000085 and the beneficiary's account number to complete the transfer.

Account types you can open at the Anand Mahal Road branch

Once you have an account at The Surat District Cooperative Bank Limited – ANAND MAHAL ROAD, the IFSC SDCB0000085 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 Anand Mahal Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2730041.

• 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 SDCB0000085

Online banking and IFSC SDCB0000085

The Surat District Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ANAND MAHAL 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 SDCB0000085 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.

Reaching the branch

The Anand Mahal Road branch sits at GROUND FLOOR, SHOP NO 1,2,3, MANISHA APARTMENT, NEAR SNEH SANKUL WADI, ANAND MAHAL ROAD, PIN - 395005. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2730041 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 SDCB0000085 and your account number.

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 Surat District Cooperative Bank Limited – ANAND MAHAL ROAD:

• The IFSC is exactly SDCB0000085 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Surat District Cooperative Bank Limited as the bank name and ANAND MAHAL ROAD 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.

Working hours

Branch counters at Anand Mahal Road 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 SDCB0000085 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000085 for The Surat District Cooperative Bank Limited – ANAND MAHAL ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCB0000085 belongs to The Surat District Cooperative Bank Limited's ANAND MAHAL ROAD branch, located at GROUND FLOOR, SHOP NO 1,2,3, MANISHA APARTMENT, NEAR SNEH SANKUL WADI, ANAND… 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.