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

If you are searching for the IFSC code of The Surath Peoples Cooperative Bank Limited, KHATODARA branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is SPCB0251006. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KHATODARA branch, and detailed step-by-step guides for using the IFSC SPCB0251006 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Surath Peoples Cooperative Bank Limited – KHATODARA is SPCB0251006. The first four letters SPCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 251006 map to this branch in SURAT, GUJARAT.

About The Surath Peoples Cooperative Bank Limited

The Surath Peoples Cooperative Bank Limited operates a wide network of branches across India, including the Khatodara branch in Surat. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SPCB0251006.

Branch details at a glance

Khatodara branch overview

Located at OPP. SUB JAIL, RING ROAD, SURAT - 395002, the Khatodara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SPCB0251006 is required for all interbank electronic transfers routed through this branch.

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 KHATODARA branch came to be assigned the code SPCB0251006.

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 SPCB0251006, money simply cannot be routed to the KHATODARA branch electronically.

Products and account variants supported

Every account opened at the Khatodara branch is mapped to IFSC SPCB0251006 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 SPCB0251006.

Products and services

Customers walking into the Khatodara 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 SPCB0251006

How to transfer money using IFSC SPCB0251006

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 SPCB0251006 across all three.

NEFT to The Surath Peoples Cooperative Bank Limited, KHATODARA using IFSC SPCB0251006

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 SPCB0251006, and confirm that the system picks up The Surath Peoples Cooperative Bank Limited – KHATODARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SPCB0251006

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 Surath Peoples Cooperative Bank Limited – KHATODARA, ensure your bank's portal accepts IFSC SPCB0251006 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Surath Peoples Cooperative Bank Limited – KHATODARA, use IMPS. With IFSC SPCB0251006 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 SPCB0251006 for The Surath Peoples Cooperative Bank Limited – KHATODARA, 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 Khatodara 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 SPCB0251006

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 – KHATODARA is still mapped to IFSC SPCB0251006. 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 SPCB0251006 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Khatodara 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 SPCB0251006 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 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 SPCB0251006 and the account number together uniquely identify the Khatodara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 Surath Peoples Cooperative Bank Limited – KHATODARA:

• The IFSC is exactly SPCB0251006 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Surath Peoples Cooperative Bank Limited as the bank name and KHATODARA 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 Khatodara branch

The branch is located at OPP. SUB JAIL, RING ROAD, SURAT - 395002, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Surath Peoples Cooperative Bank Limited Khatodara branch” — the verified location pin for IFSC SPCB0251006 should appear at the top of the results.
2. Confirm the branch is open by calling 2612632653 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 SPCB0251006 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SPCB0251006 for The Surath Peoples Cooperative Bank Limited – KHATODARA, 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 Khatodara 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 SPCB0251006 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SPCB0251006 is the IFSC code of The Surath Peoples Cooperative Bank Limited, KHATODARA 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.