IFSC Code of The Surat District Cooperative Bank Limited, Ena Branch, Gujarat

If you are searching for the IFSC code of The Surat District Cooperative Bank Limited, ENA branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SDCB0000089. 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 ENA branch, and detailed step-by-step guides for using the IFSC SDCB0000089 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 The Surat District Cooperative Bank Limited's ENA branch, the IFSC SDCB0000089 breaks down as follows: SDCB identifies the bank, 0 is the reserved character, and 000089 identifies this particular branch.

About The Surat District Cooperative Bank Limited

The Surat District Cooperative Bank Limited operates a wide network of branches across India, including the Ena 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, SDCB0000089.

About the Ena branch

The Ena branch of The Surat District Cooperative Bank Limited is situated at 94 SAIBABA CHARITABLE TRUST, AT AND POST-ENA, TALUKA-PALSANA, PIN-394310. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SDCB0000089 is used.

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 ENA branch came to be assigned the code SDCB0000089.

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 SDCB0000089, money simply cannot be routed to the ENA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ena branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCB0000089 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 SDCB0000089

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 SDCB0000089 across all three.

NEFT to The Surat District Cooperative Bank Limited, ENA using IFSC SDCB0000089

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 SDCB0000089, and confirm that the system picks up The Surat District Cooperative Bank Limited – ENA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SDCB0000089

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 The Surat District Cooperative Bank Limited – ENA, ensure your bank's portal accepts IFSC SDCB0000089 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Surat District Cooperative Bank Limited ENA (IFSC SDCB0000089)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCB0000089 in your mobile or internet banking app, and the money is credited to the ENA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ena

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SDCB0000089:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ENA is still linked to IFSC SDCB0000089.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC SDCB0000089

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 – ENA is still mapped to IFSC SDCB0000089. 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 SDCB0000089 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ena branch is mapped to IFSC SDCB0000089 on the RBI payments network. The branch generally supports the full retail product catalogue of The Surat District Cooperative Bank Limited, 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 SDCB0000089.

Products and services

Customers walking into the Ena branch can access most of The Surat District 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 SDCB0000089

Online banking and IFSC SDCB0000089

The Surat District Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ENA 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 SDCB0000089 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 Ena branch sits at 94 SAIBABA CHARITABLE TRUST, AT AND POST-ENA, TALUKA-PALSANA, PIN-394310. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 2622-263363 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 SDCB0000089 and your account number.

Common mistakes to avoid when using IFSC SDCB0000089

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 The Surat District Cooperative Bank Limited – ENA, 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: SDCB0000089.
• 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 Ena branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCB0000089, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000089 for The Surat District Cooperative Bank Limited – ENA, 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 SDCB0000089 belongs to The Surat District Cooperative Bank Limited's ENA branch, located at 94 SAIBABA CHARITABLE TRUST, AT AND POST-ENA, TALUKA-PALSANA, PIN-394310 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.