Below are the complete branch details for The Surath Peoples Cooperative Bank Limited, SURAT, MAIN BRANCH branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SPCB0251001. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SPCB0251001 for The Surath Peoples Cooperative Bank Limited – SURAT, MAIN BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SURAT, MAIN BRANCH is SPCB0251001. The first four letters SPCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 251001 map to this branch in SURAT, GUJARAT.
Branch details at a glance
| Bank Name | The Surath Peoples Cooperative Bank Limited |
|---|---|
| Branch | Surat, Main Branch |
| IFSC Code | SPCB0251001 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VASUDHARA, P. B. NO. 269, PARSI SHERI, SURAT - 395003 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Phone | 2612451677 |
Bank profile
The Surath Peoples Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat, Main Branch branch — IFSC SPCB0251001 — extends the bank's services to customers in and around Surat, Gujarat.
About the Surat, Main Branch branch
The Surat, Main Branch branch of The Surath Peoples Cooperative Bank Limited is situated at VASUDHARA, P. B. NO. 269, PARSI SHERI, SURAT - 395003. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SPCB0251001 is used.
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 SURAT, MAIN BRANCH of The Surath Peoples Cooperative Bank Limited — its own 11-character IFSC. The code SPCB0251001 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 SPCB0251001 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 SPCB0251001
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 SPCB0251001 across all three.
NEFT to The Surath Peoples Cooperative Bank Limited, SURAT, MAIN BRANCH using IFSC SPCB0251001
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 SPCB0251001, and confirm that the system picks up The Surath Peoples Cooperative Bank Limited – SURAT, MAIN BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SURAT, MAIN BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at The Surath Peoples Cooperative Bank Limited's SURAT, MAIN BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SPCB0251001 while initiating the transfer and the credit will appear within minutes.
IMPS to The Surath Peoples Cooperative Bank Limited SURAT, MAIN BRANCH (IFSC SPCB0251001)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SPCB0251001 in your mobile or internet banking app, and the money is credited to the SURAT, MAIN BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SPCB0251001 for The Surath Peoples Cooperative Bank Limited – SURAT, MAIN BRANCH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SPCB0251001 | Yes – SPCB0251001 | Yes – SPCB0251001 |
For most retail customers crediting the Surat, Main Branch 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 SPCB0251001
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 – SURAT, MAIN BRANCH is still mapped to IFSC SPCB0251001. 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 SPCB0251001 and the beneficiary's account number to complete the transfer.
Account types you can open at the Surat, Main Branch branch
Once you have an account at The Surath Peoples Cooperative Bank Limited – SURAT, MAIN BRANCH, the IFSC SPCB0251001 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 Surat, Main Branch 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 SPCB0251001
MICR & cheque-truncation details
Cheques drawn on the Surat, Main Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SPCB0251001 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Surat, Main Branch 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 SPCB0251001 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.
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 – SURAT, MAIN BRANCH:
- The IFSC is exactly SPCB0251001 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 SURAT, MAIN BRANCH 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 Surat, Main Branch branch
The branch is located at VASUDHARA, P. B. NO. 269, PARSI SHERI, SURAT - 395003, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Surath Peoples Cooperative Bank Limited Surat, Main Branch branch” — the verified location pin for IFSC SPCB0251001 should appear at the top of the results.
- Confirm the branch is open by calling 2612451677 before stepping out, especially around public holidays.
- 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 SPCB0251001 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SPCB0251001 for The Surath Peoples Cooperative Bank Limited – SURAT, MAIN BRANCH, 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 Surat, Main Branch 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 SPCB0251001 continue to work without interruption.
Branch address & contact
The Surath Peoples Cooperative Bank LimitedSurat, Main Branch Branch
VASUDHARA, P. B. NO. 269, PARSI SHERI, SURAT - 395003
Surat, Gujarat
Phone: 2612451677
IFSC: SPCB0251001
Frequently asked questions
Does The Surath Peoples Cooperative Bank Limited Surat, Main Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2612451677 to confirm.
How quickly will an NEFT transfer using SPCB0251001 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Surath Peoples Cooperative Bank Limited – Surat, Main Branch reflect within 30 minutes.
Can I use IFSC SPCB0251001 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SPCB0251001 to send funds instantly.
Is IFSC SPCB0251001 the same for all accounts at Surat, Main Branch branch?
Yes. The IFSC SPCB0251001 is shared by every account held at The Surath Peoples Cooperative Bank Limited's Surat, Main Branch branch. Only the account number changes from customer to customer.
What is the phone number of The Surath Peoples Cooperative Bank Limited Surat, Main Branch branch?
You can reach the branch at 2612451677 during regular banking hours.
Is IFSC SPCB0251001 valid for NEFT and RTGS?
Yes. IFSC SPCB0251001 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add The Surath Peoples Cooperative Bank Limited Surat, Main Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SPCB0251001, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is The Surath Peoples Cooperative Bank Limited Surat, Main Branch branch located?
The Surath Peoples Cooperative Bank Limited's Surat, Main Branch branch is located at VASUDHARA, P. B. NO. 269, PARSI SHERI, SURAT - 395003, Surat, Gujarat.
Summary
The IFSC code SPCB0251001 belongs to The Surath Peoples Cooperative Bank Limited's SURAT, MAIN BRANCH branch, located at VASUDHARA, P. B. NO. 269, PARSI SHERI, SURAT - 395003 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
