Prime Co Operative Bank IFSC Code and MICR Code

Find Prime Co Operative Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Prime Co Operative Bank IFSC Code, MICR Code and SWIFT Code

Prime Co-Operative Bank in Gujarat claims to be a "banking supermarket" that offers a wide range of instruments and services to people. The bank has 33 branches - and you can send money online to any branch using the Prime Co-Operative Bank IFSC Code. 

You may have an account at this bank or use any other bank's services. Either way, you can use online banking facilities to wire funds to and from Prime Co-Operative Bank. Of course, you can use the cheque transfer method in the absence of online facilities. 

This method requires the use of MICR code to track and process a cheque. These codes are essential for the entire fund transfer system, whether online or offline, to ensure on-time, correct, and safe transactions. It is also quite easy to find these codes.   

Prime Co-Operative Bank IFSC Code


The Prime Co-Operative Bank IFSC Code has 33 branches in Gujarat, with the Control Centre at Majura Gate in Surat and the registered office in Ring Road, also in Surat. All these branches are connected to each other and the Indian banking system for online transactions. 

For that, you'll need the Prime Co-Operative Bank IFSC Code. Every branch of every bank has an IFSC code, and they all are unique. But what is an IFSC? It stands for "Indian Financial System Code" and is an 11-digit code that is required to locate a bank account. 

The IFSC code is required for NEFT, RTGS, and IMPS modes of fund transfer. The Reserve Bank of India (RBI) assigns this code to individual branches of every bank operating in India. Every branch has a unique code and can help identify the outlet.   

The same happens for all 33 branches of Prime Co-Operative Bank. At the time of processing a payment, you will need to enter the IFSC of the branch where the beneficiary holds the account. This IFSC contains 11 digits - both alphabetical and numeric. 

The code can be divided into three parts - the bank code, the branch code, and the "reserve" character. Let's analyze the IFSC by breaking down the codes of two branches of Prime Co-Operative Bank and compare them to understand what an IFSC looks like.

The Prime Co-Operative Bank Godhra branch in Panchmahal IFSC code is PMEC0102927, while that of the Sanand branch in Ahmedabad is PMEC0102826. The first four places of both the codes are occupied by alphabets. Together, PMEC stands for the bank and is the same for a single bank.

That is why both the branches’ IFSC codes have the same bank code. The fifth place is held by "0" (zero). This is reserved for later use. The last six positions are occupied by numbers. If you compare the two codes, you'll see that this is the section where the codes differ. 

"102927" stands for the branch code of the Godhra branch, and "102826" stands for the Sanand branch. All Prime Co-Operative Bank accounts start with "PMEC." The IFSC of all accounts of the Godhra branch is PMEC0102927, while that of the Sanand branch is PMEC0102826. 

At the time of transferring money to an account at Prime Co-Operative Bank, you need to use the correct IFSC code. Otherwise, the transaction will not be successful, especially if you initiate the transfer from a different bank.  

Prime Co-Operative Bank MICR Code

As you have understood by now, the IFSC code is used for online money transfers. However, what happens when a cheque transfer is required? In that case, a different code is needed, which is the Prime Co-Operative Bank MICR Code. 

MICR stands for Magnetic Ink Character Recognition. This code is printed on every cheque leaf. It is an essential tool for speeding up the steps of processing and clearing a cheque, whether it is issued to or from an account at any bank in India.   

Just like the branches of other banks operating in India, Prime Co-Operative Bank MICR Code branches have unique MICR codes for each outlet. A MICR code has nine digits, all of which are numbers. The MICR code of the New GIDC (Katargam) branch is 395250004.

When a cheque is issued from an account at Prime Co-Operative Bank, a special tool is used to read the MICR code that is printed with magnetic ink on the cheque. It is used to locate the bank and the branch so that the cheque is processed quickly. 

How to Find IFSC Code, MICR Code & Swift Code of Prime Co-Operative Bank?


It is evident that the Prime Co-Operative Bank IFSC and the MICR code are both required for fund transfer to and from the bank by different modes. That means you need to be aware of these codes for the transaction. So how will you know the codes of an account?

Finding the codes is not difficult at all, especially if you have access to the internet and a smartphone or a computer. It is also possible to use offline avenues to find such information. Let’s take a quick glance at how to find the IFSC code and MICR code.

Find Your Bank 

Find Your Bank is a highly reliable and extremely easy-to-use platform that you can use when you’re looking for the IFSC and MICR code of an account at Prime Co-Operative Bank - or any other bank operating in India. It has a website and an app. Here are the steps to follow - 

  1. Visit the Find Your Bank website.
  2. Add the necessary details like branch name and location as asked.     

That's all you have to do before the platform generates the code you are looking for. Find Your Bank has a rich database with the details of all the banks operating in India and provides quick access to anyone without any hassle. You can also download and Install the Find Your Bank Mobile app from Playstore.


An account holder at Prime Co-Operative Bank has a passbook with all the account details. If you can access the passbook, you will be able to find the IFSC code of the account. It should be printed on the first page of the booklet along with other details. 

Cheque Book

Every account holder at Prime Co-Operative Bank is assigned a cheque book with individual cheque leaves. The IFSC code of the branch of the account is printed on top of the leaf along with other information, just like cheque leaves of any bank.


Prime Co-Operative Bank has an information-rich website that offers information regarding its banking activities, services, branches, etc. It has a dedicated page that lists out the outlets of the bank across the state. It also has the IFS codes mentioned.   

Prime Co-Operative Bank Customer Care

Prime Co-Operative Bank’s customer care team is extremely helpful. You can call or email them to ask for the information you need. You can also reach out to any branch nearest to your home and ask for the IFSC code of any branch at the help desk.

RBI Website

For all Indian banks, a reliable platform for finding the IFSC is the official website of the RBI. It is the organization responsible for assigning the IFSC codes to all banks, including the Prime Co-Operative Bank branches. The codes are available on the RBI website. 

How to Find Prime Co-Operative Bank MICR Code?

It is equally easy to look for the Prime Co-Operative Bank MICR code of any branch by referring to the official sources provided by the bank. Check out the following platforms when you need a MICR code.

  1. Cheque leaf 
  2. Passbook
  3. Customer care
  4. RBI website

It may not be possible to find the database of the MICR codes of all the branches of this bank on their official website. However, the remaining platforms are perfectly reliable, whether or not you want to find the MICR code using both online and offline modes. 

You should remember that Prime Co-Operative Bank does not have a SWIFT code. A SWIFT code is an 8-11 digit code that is required for making a fund transfer to an Indian bank from an international bank. But this code is not always assigned to all banks. 

In order to get a SWIFT code, a bank should be a member of the SWIFT (Society for Worldwide Interbank Financial Telecommunications) system. Prime Co-Operative Bank is not a part of this system. Hence, it does not have a SWIFT code needed for international transactions.     

How to Transfer Money Through NEFT, RTGS & IMPS?


All banks in India are now digitally connected as a part of the “Digital India” movement. As a result, transferring money to any bank account has become immensely easy. You do not need to step out of the house to do that. Transactions can take place online from anywhere. 

All you need is access to a stable internet connection - and a phone or computer. The same is true for Prime Co-Operative Bank. You can send money to and from an account at this bank by using three online modes of money transfer. They are as mentioned below - 

NEFT or National Electronic Fund Transfer

NEFT is a safe and reliable mode of fund transfer. The service is available round the clock. So you can initiate the transaction at any time of the day. The settlement of the transaction takes place in batches. 

There is no upper or lower limit for NEFT transactions. Prime Co-Operative Bank is a direct member of the RBI for this transaction. It is capable of sending and receiving NEFT transfers online without any hassle.

RTGS or Real-Time Gross Settlement

RTGS is another mode of online fund transfer like NEFT - but there are two key differences. The first difference is the limit of transactions because RTGS only supports transfers amounting to ₹2,00,000 or more. Another difference is the time of settlement. RTGS transactions take place on a real-time basis, i.e., the money is transferred instantly. Thus, it is the quickest method of transferring a substantial sum of money.

IMPS or Immediate Payment Service

The IMPS is a quick and convenient method of transferring funds. You can carry out an IMPS transfer any time throughout the day. It is similar to RTGS transactions because the settlement takes place instantly. But the key difference lies in the transaction amount. For most banks, the upper limit is ₹2,00,000 in the case of P2A transactions. For P2P transactions, this limit is usually ₹5,000. There’s no lower limit.

If you have an account at Prime Co-Operative Bank, you will have to pay some nominal charges to make an outgoing NEFT, RTGS, or IMPS transaction to an account to any bank, along with 18% GST. The costs are shown at the time of making the transfer.

For all these transactions, you will need to use the IFSC code to make the transfer quick, easy, and secure - except for P2P IMPS. P2P transactions only require the MMID and phone number of the beneficiary. However, you can only send up to ₹5,000. 

You can send funds to any Prime Co-Operative Bank account from your account, irrespective of the bank of your account. The same is true for transactions from an account at Prime Co-Operative Bank to an account in any other bank operating in India. 

All you need to make an IMPS/RTGS/NEFT transfer is the net banking or mobile banking facility on your account. To complete the process, the sender needs to add the receiver’s account details, including the IFSC code, to their beneficiary account list. 

Once that happens, you need to wait for 30-60 minutes to make the transfer. You can also make a fast payment using a quick-pay option available, which is for one-time transactions. The beneficiary’s details will not be saved for future fund transfers. 

It is understandable that you must have an account at the bank for an online transfer from Prime Co-Operative Bank. The bank will ask for your KYC documents. These include your proofs of identity, address, nationality, etc., like PAN Card, Voter Card, Aadhar Card, etc.

About Prime Co-Operative Bank 


Prime Co-Operative Bank is one of the leading financial institutions in Gujarat, with most of its shares held by the general public. It is, therefore, a cooperative bank. It was established in 1994 by Gokul Bakshi, who was the chairman of this bank.

It began its operations in a rented location. From there, it has grown to have 33 branches across 12 districts in South and Central Gujarat. Its initial activity only included retail banking. Eventually, it started focusing on development and began financing small industries. 

Over the years, it continued to expand through tie-ups and acquisitions and merged with six weak banks between 2006 and 2014. Its seventh merger is underway. It began its e-banking facilities in 2016. Hence, it calls itself the "master of mergers."

With high-tech banking and financial solutions, it is one of the trendsetters in the banking industry in Gujarat. The bank's major branches are located in Surat, with 13 outlets serving as essential banking centers, including the control center and main branch. 

It is also the founder member of the South Gujarat Co-op. Banks Association. Currently, it offers advanced banking services to 2,00,000 clients. It has 300+ trained and efficient employees to provide efficient client support. Its focus is on in-house updating and development.

Frequently Asked Questions

1) Which District Falls Under Prime Co-Operative Bank?

Prime Co-Operative Bank is one of the leading cooperative banks operating in Central and South Gujarat. There are 12 districts under it, including Surat, Ahmedabad, Aravalli, Bharuch, Chhota Udepur, Kheda, Navsari, Panchmahal, and Tapi, Vadodara, and Valsad.

2) How Can You Check Your Account Balance in Prime Co-Operative Bank?

If you want to check your account balance at Prime Co-Operative Bank, you can use the bank’s website or phone app for net banking or mobile banking. You can also update your passbook to get the details. Or, you can contact the bank’s branches for the same. 

3) Is Prime Co-Operative Bank a Nationalized Bank?

As the name suggests, Prime Co-Operative Bank is a cooperative bank, which is not the same as a nationalized bank. The latter is governed by the Central Government, which owns most of its shares. But a cooperative bank is owned by the public, holding most of the shares.