IFSC Code of The Surath Peoples Cooperative Bank Limited, Sumul Dairy Road Branch, Gujarat

Use this page as a one-stop reference for everything related to The Surath Peoples Cooperative Bank Limited's SUMUL DAIRY ROAD branch in SURAT, GUJARAT. The branch's IFSC code SPCB0251014 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, SPCB0251014 is the IFSC of The Surath Peoples Cooperative Bank Limited's SUMUL DAIRY ROAD branch. The format is fixed: SPCB = bank code, 0 = reserved, 251014 = branch identifier.

Branch details at a glance

About The Surath Peoples Cooperative Bank Limited

The Surath Peoples Cooperative Bank Limited operates a wide network of branches across India, including the Sumul Dairy Road 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, SPCB0251014.

Sumul Dairy Road branch overview

Located at ABHISHEK APARTMENTS, KAPADIA COMPOUND, SUMUL DAIRY ROAD, SURAT - 395008, the Sumul Dairy Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SPCB0251014 is required for all interbank electronic transfers routed through this branch.

Why every The Surath Peoples 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 SUMUL DAIRY ROAD of The Surath Peoples Cooperative Bank Limited — its own 11-character IFSC. The code SPCB0251014 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 SPCB0251014 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 SPCB0251014

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 SPCB0251014 across all three.

How to use IFSC SPCB0251014 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Surath Peoples Cooperative Bank Limited's SUMUL DAIRY ROAD 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 SPCB0251014.
4. Confirm the bank name auto-populates as The Surath Peoples Cooperative Bank Limited and the branch as SUMUL DAIRY ROAD.
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 SUMUL DAIRY ROAD

If you need to transfer ₹2 lakh or more in one go to an account at The Surath Peoples Cooperative Bank Limited's SUMUL DAIRY ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SPCB0251014 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 – SUMUL DAIRY ROAD, use IMPS. With IFSC SPCB0251014 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 SPCB0251014 for The Surath Peoples Cooperative Bank Limited – SUMUL DAIRY ROAD, 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 Sumul Dairy Road 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 SPCB0251014

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 – SUMUL DAIRY ROAD is still mapped to IFSC SPCB0251014. 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 SPCB0251014 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sumul Dairy Road branch is mapped to IFSC SPCB0251014 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 SPCB0251014.

Banking services available

The Sumul Dairy Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2612534505.

• 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 SPCB0251014

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 SPCB0251014 and the account number together uniquely identify the Sumul Dairy Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Sumul Dairy Road 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 SPCB0251014 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.

Common mistakes to avoid when using IFSC SPCB0251014

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 – SUMUL DAIRY ROAD, 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: SPCB0251014.
• 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.

How to reach the Sumul Dairy Road branch

The branch is located at ABHISHEK APARTMENTS, KAPADIA COMPOUND, SUMUL DAIRY ROAD, SURAT - 395008, 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 Sumul Dairy Road branch” — the verified location pin for IFSC SPCB0251014 should appear at the top of the results.
2. Confirm the branch is open by calling 2612534505 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 SPCB0251014 and your account number.

Verifying IFSC SPCB0251014 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SPCB0251014 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2612534505.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sumul Dairy Road 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 SPCB0251014 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SPCB0251014 belongs to The Surath Peoples Cooperative Bank Limited's SUMUL DAIRY ROAD branch, located at ABHISHEK APARTMENTS, KAPADIA COMPOUND, SUMUL DAIRY ROAD, SURAT - 395008 in SURAT, 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.