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

Below are the complete branch details for The Surath Peoples Cooperative Bank Limited, VAPI MAIN branch, located in VAPI, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SPCB0251020. 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 SPCB0251020 for The Surath Peoples Cooperative Bank Limited – VAPI MAIN — 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 – VAPI MAIN is SPCB0251020. The first four letters SPCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 251020 map to this branch in VAPI, GUJARAT.

Branch details at a glance

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 Vapi Main branch in Vapi, Gujarat is part of this network and uses the IFSC code SPCB0251020 for all electronic settlement.

About this branch

The branch is located at SNEHDEEP COMM. COMPLEX, GUNJAN CHOKDI, N. H. NO. 8, VAPI - 396 195. It serves the Vapi 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 SPCB0251020 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 VAPI MAIN branch came to be assigned the code SPCB0251020.

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 SPCB0251020, money simply cannot be routed to the VAPI MAIN branch electronically.

How to transfer money using IFSC SPCB0251020

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 SPCB0251020 across all three.

NEFT to The Surath Peoples Cooperative Bank Limited, VAPI MAIN using IFSC SPCB0251020

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 SPCB0251020, and confirm that the system picks up The Surath Peoples Cooperative Bank Limited – VAPI MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VAPI MAIN

If you need to transfer ₹2 lakh or more in one go to an account at The Surath Peoples Cooperative Bank Limited's VAPI MAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SPCB0251020 while initiating the transfer and the credit will appear within minutes.

IMPS to The Surath Peoples Cooperative Bank Limited VAPI MAIN (IFSC SPCB0251020)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SPCB0251020 in your mobile or internet banking app, and the money is credited to the VAPI MAIN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vapi Main

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SPCB0251020:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at VAPI MAIN is still linked to IFSC SPCB0251020.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC SPCB0251020

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 – VAPI MAIN is still mapped to IFSC SPCB0251020. 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 SPCB0251020 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vapi Main branch is mapped to IFSC SPCB0251020 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 SPCB0251020.

Banking services available

The Vapi Main branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2602430466.

• 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 SPCB0251020

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 SPCB0251020 and the account number together uniquely identify the Vapi Main branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC SPCB0251020

The Surath Peoples Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VAPI MAIN 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 SPCB0251020 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.

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 – VAPI MAIN:

• The IFSC is exactly SPCB0251020 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 VAPI MAIN 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 Vapi Main branch

The branch is located at SNEHDEEP COMM. COMPLEX, GUNJAN CHOKDI, N. H. NO. 8, VAPI - 396 195, which puts it inside Vapi, the broader Valsad 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 Vapi Main branch” — the verified location pin for IFSC SPCB0251020 should appear at the top of the results.
2. Confirm the branch is open by calling 2602430466 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 SPCB0251020 and your account number.

Verifying IFSC SPCB0251020 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 SPCB0251020 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2602430466.
• Visiting the bank's official branch locator page.

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 Vapi Main branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SPCB0251020, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SPCB0251020 belongs to The Surath Peoples Cooperative Bank Limited's VAPI MAIN branch, located at SNEHDEEP COMM. COMPLEX, GUNJAN CHOKDI, N. H. NO. 8, VAPI - 396 195 in VAPI, 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.