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

Use this page as a one-stop reference for everything related to The Surat District Cooperative Bank Limited's UKAI branch in UKAI, GUJARAT. The branch's IFSC code SDCB0000058 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 UKAI branch, the IFSC SDCB0000058 breaks down as follows: SDCB identifies the bank, 0 is the reserved character, and 000058 identifies this particular branch.

Bank profile

The Surat District Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ukai branch — IFSC SDCB0000058 — extends the bank's services to customers in and around Ukai, Gujarat.

Branch details at a glance

About this branch

The branch is located at BHURIWELL, TALUKA - SONGADH, PINCODE - 394 680. It serves the Ukai 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 SDCB0000058 is used to identify this branch on the RBI payments network.

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 UKAI branch came to be assigned the code SDCB0000058.

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 SDCB0000058, money simply cannot be routed to the UKAI branch electronically.

Account types you can open at the Ukai branch

Once you have an account at The Surat District Cooperative Bank Limited – UKAI, the IFSC SDCB0000058 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Ukai 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 SDCB0000058

How to transfer money using IFSC SDCB0000058

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 SDCB0000058 across all three.

How to use IFSC SDCB0000058 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 UKAI 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 SDCB0000058.
4. Confirm the bank name auto-populates as The Surat District Cooperative Bank Limited and the branch as UKAI.
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 SDCB0000058

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 – UKAI, ensure your bank's portal accepts IFSC SDCB0000058 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Surat District Cooperative Bank Limited UKAI (IFSC SDCB0000058)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SDCB0000058 in your mobile or internet banking app, and the money is credited to the UKAI branch account within seconds.

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

All three modes accept the IFSC SDCB0000058 for The Surat District Cooperative Bank Limited – UKAI, 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 Ukai 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.

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 UKAI branch, the IFSC SDCB0000058 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 Ukai 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 SDCB0000058 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 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 SDCB0000058 and the account number together uniquely identify the Ukai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SDCB0000058

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 – UKAI, 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: SDCB0000058.
• 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 Ukai branch sits at BHURIWELL, TALUKA - SONGADH, PINCODE - 394 680. If you are travelling from outside Ukai, search for the branch on a maps application using the bank name and locality, or call 2624-233701 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 SDCB0000058 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SDCB0000058 for The Surat District Cooperative Bank Limited – UKAI, 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 Ukai 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 SDCB0000058 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SDCB0000058 belongs to The Surat District Cooperative Bank Limited's UKAI branch, located at BHURIWELL, TALUKA - SONGADH, PINCODE - 394 680 in UKAI, 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.