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

Use this page as a one-stop reference for everything related to The Surat District Cooperative Bank Limited's PUNI branch in SURAT, GUJARAT. The branch's IFSC code SDCB0000095 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.

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 PUNI branch, the IFSC SDCB0000095 breaks down as follows: SDCB identifies the bank, 0 is the reserved character, and 000095 identifies this particular branch.

Branch details at a glance

Bank profile

The Surat District Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Puni branch — IFSC SDCB0000095 — extends the bank's services to customers in and around Surat, Gujarat.

Puni branch overview

Located at SHREE PUNI VIBHAG SEVA SAHKARI MANDALI LTD, HOUSE NO 459, AT PO PUNI, TA PALSANA, PIN 394352, the Puni branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SDCB0000095 is required for all interbank electronic transfers routed through this branch.

Why every The Surat District 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 PUNI of The Surat District Cooperative Bank Limited — its own 11-character IFSC. The code SDCB0000095 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 SDCB0000095 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 SDCB0000095

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 SDCB0000095 across all three.

How to use IFSC SDCB0000095 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Surat District Cooperative Bank Limited's PUNI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC SDCB0000095.
4. Confirm the bank name auto-populates as The Surat District Cooperative Bank Limited and the branch as PUNI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PUNI

If you need to transfer ₹2 lakh or more in one go to an account at The Surat District Cooperative Bank Limited's PUNI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCB0000095 while initiating the transfer and the credit will appear within minutes.

IMPS to The Surat District Cooperative Bank Limited PUNI (IFSC SDCB0000095)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCB0000095 in your mobile or internet banking app, and the money is credited to the PUNI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Puni

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 SDCB0000095:

• 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 PUNI is still linked to IFSC SDCB0000095.

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.

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 The Surat District Cooperative Bank Limited's PUNI branch, the IFSC SDCB0000095 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.

Products and account variants supported

Every account opened at the Puni branch is mapped to IFSC SDCB0000095 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 SDCB0000095.

Products and services

Customers walking into the Puni 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 SDCB0000095

MICR & cheque-truncation details

Cheques drawn on the Puni branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCB0000095 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SDCB0000095

The Surat District Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PUNI 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 SDCB0000095 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 SDCB0000095

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 – PUNI, 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: SDCB0000095.
• 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 Puni branch sits at SHREE PUNI VIBHAG SEVA SAHKARI MANDALI LTD, HOUSE NO 459, AT PO PUNI, TA PALSANA, PIN 394352. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 2622-251612 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 SDCB0000095 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000095 for The Surat District Cooperative Bank Limited – PUNI, 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 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 Puni branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCB0000095, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCB0000095 belongs to The Surat District Cooperative Bank Limited's PUNI branch, located at SHREE PUNI VIBHAG SEVA SAHKARI MANDALI LTD, HOUSE NO 459, AT PO PUNI, TA… 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.