IFSC Code of The Surath Peoples Cooperative Bank Limited, Adajan Branch, Gujarat

Use this page as a one-stop reference for everything related to The Surath Peoples Cooperative Bank Limited's ADAJAN branch in SURAT, GUJARAT. The branch's IFSC code SPCB0251022 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, SPCB0251022 is the IFSC of The Surath Peoples Cooperative Bank Limited's ADAJAN branch. The format is fixed: SPCB = bank code, 0 = reserved, 251022 = branch identifier.

About the bank

The Surath Peoples Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Adajan branch in Surat, Gujarat is part of this network and uses the IFSC code SPCB0251022 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 1ST FLOOR,50-51-52,GANESH KRUPA SOCIETY, OPP.GAIL TOWER, ANAND MAHAL ROAD, SURAT-395009. 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 Surath Peoples Cooperative Bank Limited. The IFSC SPCB0251022 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 Surath Peoples Cooperative Bank Limited's ADAJAN branch came to be assigned the code SPCB0251022.

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 SPCB0251022, money simply cannot be routed to the ADAJAN branch electronically.

Products and account variants supported

Every account opened at the Adajan branch is mapped to IFSC SPCB0251022 on the RBI payments network. The branch generally supports the full retail product catalogue of The Surath Peoples 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 SPCB0251022.

Products and services

Customers walking into the Adajan branch can access most of The Surath Peoples 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 SPCB0251022

How to transfer money using IFSC SPCB0251022

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 SPCB0251022 across all three.

NEFT to The Surath Peoples Cooperative Bank Limited, ADAJAN using IFSC SPCB0251022

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 SPCB0251022, and confirm that the system picks up The Surath Peoples Cooperative Bank Limited – ADAJAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ADAJAN

If you need to transfer ₹2 lakh or more in one go to an account at The Surath Peoples Cooperative Bank Limited's ADAJAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SPCB0251022 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Surath Peoples Cooperative Bank Limited – ADAJAN, use IMPS. With IFSC SPCB0251022 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC SPCB0251022 for The Surath Peoples Cooperative Bank Limited – ADAJAN, 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 Adajan 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 SPCB0251022

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 Surath Peoples Cooperative Bank Limited – ADAJAN is still mapped to IFSC SPCB0251022. 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 SPCB0251022 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SPCB0251022

The Surath Peoples Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ADAJAN 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 SPCB0251022 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Surath Peoples 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 SPCB0251022 and the account number together uniquely identify the Adajan 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 SPCB0251022

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 Surath Peoples Cooperative Bank Limited – ADAJAN, 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: SPCB0251022.
• 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 Adajan branch sits at 1ST FLOOR,50-51-52,GANESH KRUPA SOCIETY, OPP.GAIL TOWER, ANAND MAHAL ROAD, SURAT-395009. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 2612768500 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 SPCB0251022 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SPCB0251022 for The Surath Peoples Cooperative Bank Limited – ADAJAN, 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 Adajan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SPCB0251022, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SPCB0251022 is the IFSC code of The Surath Peoples Cooperative Bank Limited, ADAJAN 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.