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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Surat District Cooperative Bank Limited, BORDA branch in TAPI. The 11-digit IFSC SDCB0000109 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Surat District Cooperative Bank Limited at the BORDA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, SDCB0000109 is the IFSC of The Surat District Cooperative Bank Limited's BORDA branch. The format is fixed: SDCB = bank code, 0 = reserved, 000109 = branch identifier.

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 Borda branch — IFSC SDCB0000109 — extends the bank's services to customers in and around Tapi, Gujarat.

Borda branch overview

Located at SHREE VAJPUR VIBHAG JUNGLE KAMDAR SAHKARI MANDLI LTD, AT AND POST BORDA, TALUKA SONGADH, PIN 393050, the Borda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SDCB0000109 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 BORDA of The Surat District Cooperative Bank Limited — its own 11-character IFSC. The code SDCB0000109 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 SDCB0000109 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 SDCB0000109

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 SDCB0000109 across all three.

How to use IFSC SDCB0000109 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 BORDA 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 SDCB0000109.
4. Confirm the bank name auto-populates as The Surat District Cooperative Bank Limited and the branch as BORDA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SDCB0000109

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 – BORDA, ensure your bank's portal accepts IFSC SDCB0000109 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Surat District Cooperative Bank Limited BORDA (IFSC SDCB0000109)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCB0000109 in your mobile or internet banking app, and the money is credited to the BORDA branch account within seconds.

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

All three modes accept the IFSC SDCB0000109 for The Surat District Cooperative Bank Limited – BORDA, 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 Borda 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 SDCB0000109

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 – BORDA is still mapped to IFSC SDCB0000109. 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 SDCB0000109 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Borda branch is mapped to IFSC SDCB0000109 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 SDCB0000109.

Products and services

Customers walking into the Borda 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 SDCB0000109

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 SDCB0000109 and the account number together uniquely identify the Borda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SDCB0000109

The Surat District Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BORDA 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 SDCB0000109 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.

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 – BORDA:

• The IFSC is exactly SDCB0000109 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 BORDA 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.

How to reach the Borda branch

The branch is located at SHREE VAJPUR VIBHAG JUNGLE KAMDAR SAHKARI MANDLI LTD, AT AND POST BORDA, TALUKA SONGADH, PIN 393050, which puts it inside Tapi, the broader Tapi district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Surat District Cooperative Bank Limited Borda branch” — the verified location pin for IFSC SDCB0000109 should appear at the top of the results.
2. Confirm the branch is open by calling 7486013176 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SDCB0000109 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000109 for The Surat District Cooperative Bank Limited – BORDA, 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.

Working hours

Branch counters at Borda 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 SDCB0000109 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SDCB0000109 is the IFSC code of The Surat District Cooperative Bank Limited, BORDA branch, in TAPI, 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.