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

Use this page as a one-stop reference for everything related to The Surat District Cooperative Bank Limited's SAGRAMPURA branch in SURAT, GUJARAT. The branch's IFSC code SDCB0000026 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SDCB0000026 is the IFSC of The Surat District Cooperative Bank Limited's SAGRAMPURA branch. The format is fixed: SDCB = bank code, 0 = reserved, 000026 = branch identifier.

Bank profile

The Surat District Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sagrampura branch — IFSC SDCB0000026 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About this branch

The branch is located at SHREE RAMJI MANDIR TRUST HOUSE, SAGRAMPURA, SURAT, PINCODE - 395002. 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 Surat District Cooperative Bank Limited. The IFSC SDCB0000026 is used to identify this branch on the RBI payments network.

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 SAGRAMPURA of The Surat District Cooperative Bank Limited — its own 11-character IFSC. The code SDCB0000026 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 SDCB0000026 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 Sagrampura branch is mapped to IFSC SDCB0000026 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 SDCB0000026.

Products and services

Customers walking into the Sagrampura 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 SDCB0000026

How to transfer money using IFSC SDCB0000026

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 SDCB0000026 across all three.

NEFT to The Surat District Cooperative Bank Limited, SAGRAMPURA using IFSC SDCB0000026

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 SDCB0000026, and confirm that the system picks up The Surat District Cooperative Bank Limited – SAGRAMPURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SAGRAMPURA

If you need to transfer ₹2 lakh or more in one go to an account at The Surat District Cooperative Bank Limited's SAGRAMPURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCB0000026 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 – SAGRAMPURA, use IMPS. With IFSC SDCB0000026 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Sagrampura

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 SDCB0000026:

• 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 SAGRAMPURA is still linked to IFSC SDCB0000026.

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 SAGRAMPURA branch, the IFSC SDCB0000026 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.

Digital banking channels

Most day-to-day work that customers used to do at the Sagrampura branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SDCB0000026 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Sagrampura branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SDCB0000026 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 Surat District Cooperative Bank Limited – SAGRAMPURA:

• The IFSC is exactly SDCB0000026 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 SAGRAMPURA 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.

Reaching the branch

The Sagrampura branch sits at SHREE RAMJI MANDIR TRUST HOUSE, SAGRAMPURA, SURAT, PINCODE - 395002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2330598 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 SDCB0000026 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000026 for The Surat District Cooperative Bank Limited – SAGRAMPURA, 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 Sagrampura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCB0000026, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCB0000026 belongs to The Surat District Cooperative Bank Limited's SAGRAMPURA branch, located at SHREE RAMJI MANDIR TRUST HOUSE, SAGRAMPURA, SURAT, PINCODE - 395002 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.