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

Use this page as a one-stop reference for everything related to The Surat District Cooperative Bank Limited's SURAT STATION branch in SURAT, GUJARAT. The branch's IFSC code SDCB0000013 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, SDCB0000013 is the IFSC of The Surat District Cooperative Bank Limited's SURAT STATION branch. The format is fixed: SDCB = bank code, 0 = reserved, 000013 = 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 Surat Station branch — IFSC SDCB0000013 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at ROO BHAVAN, OPP. GABANI KIDNEY HOSPITAL, LAL DARWAJA STATION ROAD, TAL. SURAT, PINCODE 395 003. 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 SDCB0000013 is used to identify this branch on the RBI payments network.

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 SURAT STATION branch came to be assigned the code SDCB0000013.

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 SDCB0000013, money simply cannot be routed to the SURAT STATION branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Surat District Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SDCB0000013 and the account number together uniquely identify the Surat Station branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SDCB0000013

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 SDCB0000013 across all three.

How to use IFSC SDCB0000013 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 SURAT STATION 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 SDCB0000013.
4. Confirm the bank name auto-populates as The Surat District Cooperative Bank Limited and the branch as SURAT STATION.
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 SURAT STATION

If you need to transfer ₹2 lakh or more in one go to an account at The Surat District Cooperative Bank Limited's SURAT STATION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SDCB0000013 while initiating the transfer and the credit will appear within minutes.

IMPS to The Surat District Cooperative Bank Limited SURAT STATION (IFSC SDCB0000013)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCB0000013 in your mobile or internet banking app, and the money is credited to the SURAT STATION branch account within seconds.

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

All three modes accept the IFSC SDCB0000013 for The Surat District Cooperative Bank Limited – SURAT STATION, 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 Surat Station 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 SDCB0000013

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 – SURAT STATION is still mapped to IFSC SDCB0000013. 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 SDCB0000013 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Surat Station branch is mapped to IFSC SDCB0000013 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 SDCB0000013.

Banking services available

The Surat Station branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2427853.

• 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 SDCB0000013

Digital banking channels

Most day-to-day work that customers used to do at the Surat Station 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 SDCB0000013 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.

Reaching the branch

The Surat Station branch sits at ROO BHAVAN, OPP. GABANI KIDNEY HOSPITAL, LAL DARWAJA STATION ROAD, TAL. SURAT, PINCODE 395 003. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2427853 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 SDCB0000013 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 – SURAT STATION:

• The IFSC is exactly SDCB0000013 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 SURAT STATION 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.

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 Surat Station branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SDCB0000013, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000013 for The Surat District Cooperative Bank Limited – SURAT STATION, 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

Final notes

To recap: SDCB0000013 is the IFSC code of The Surat District Cooperative Bank Limited, SURAT STATION 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.