Surat District Co Operative Bank IFSC Code and MICR Code

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

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Surat District Co Operative Bank IFSC Code, MICR Code and SWIFT Code

In 1906, the Surat District Co Op Bank was established in the Bulsar district. It is a digitally sophisticated bank, and you will require the Surat District Cooperative Bank IFSC Code to use its services.

The Indian Financial System Code, or IFSC, is an 11-digit code that uniquely helps to identify your local bank. The institution issues it under the Reserve Bank of India’s jurisdiction. IFSC code recognizes and processes Electronic NEFT, Wire transfer, and IMPS transactions. 

The MICR code, which anyone may find on your check leaf, is another vital credential required to process cheque payments. On the other hand, SWIFT codes generally help move funds between banks and are necessary for foreign wire transfers. Dive in to know more about the codes and their usage.

The Surat District Co-op Bank Ltd IFSC Code


The IFSC code is very critical when it comes to electronic money transactions. It is also helpful for payment security since the RBI and your financial institution uses it to monitor and trace transactions. 

Apart from that, it’s critical to understand where the money comes from and where it goes. For instance, the Surat District Cooperative Bank, Bardoli City Branch IFSC Code is SDCB0000002. Let’s understand what each of these characters means:

  • The first four digits (SDCB) represent the bank code.
  • The fifth digit is always zero.
  • The remaining six characters (000002) represent the branch code.

The Surat District Co-op Bank MICR Code

MICR, or Magnetic Ink Character Recognition Code, is a nine-digit code used to speed up check clearance of the Surat District Co Op Bank. Every bank branch has its MICR number, which aids in authenticating the institution and branch operating in an Electronic Clearing System (ECS). 

The MICR code of the Bardoli branch is 349244052. MICR codes, like IFSC codes, consist of three components:

  • The first three digits (349) represent the city.
  • Middle three digits (242) talk of the bank.
  • The last three digits (052) denote the branch of the bank.

The benefits of using MICR code are:

  • Banks use this technique to speed up the processing and clearing of checks and other paperwork.
  • The code’s principal purpose is to verify the authenticity and validity of paper-based transactions in the financial system, and it is most often used on checks.
  • When transferring cash through NEFT or IMPS, MICR Code is on par with IFSC.
  • Commercial bank employees who are MICR readers may use the technology to scan checks and understand the documents immediately via the system.
  • The RBI assigns a unique MICR code to each financial institution, which aids in identifying the branch and expediting the clearing process.

How to Find the IFSC Code, MICR Code, & Swift Code of the Surat District Co-op Bank?


You’ll need the Surat District Co Op Bank’s IFSC code and MICR code to make a payment. Moreover, you cannot do any transaction without using these codes of your bank. Anyone may obtain all of these codes in a variety of ways. Here are a few methods for getting them:

Find Your Bank

Find Your Bank is a consumer finance website that offers a variety of options to help you out. It’s one of the most practical methods to find your bank account. Visit their webpage and enter the following details to receive the IFSC and MICR code:

  • Your bank’s name. (Here, Surat District Co Op Bank)
  • State where your bank is.
  • District of the bank.
  • Branch of the bank.
  • Press 'Enter.'

When you input all of this information and press enter, it will display the relevant codes. Find My Bank has also developed a mobile phone app that you may use from any location. You may rapidly discover these codes with only a few clicks on this smartphone app.

Bank Documents

Your bank information, like the Surat District Cooperative Bank IFSC code, is always available on bank documentation. The IFSC and MICR codes are visible on the bank cheque books and passbooks. 

You may find the codes on the first page of the passbook or any check leaf in the cheque book.


Anyone may find the IFSC code and MICR code for Surat District Co Op Bank on the Reserve Bank of India’s online webpage. All IFSC and MICR numbers for all Indian banking institutions are on the Reserve Bank of India database.

Netbanking or Banking Services

After logging into your bank’s net banking service, you can easily find these codes. Once signed in, browse the numerous options and select the code you need. Internet banking has made financial services accessible from the convenience of your own home.

Contact the Bank

If the measures outlined above fail to provide results, you may contact your bank’s customer care department for help, and they will lead you appropriately.

How to Transfer Money through NEFT, RTGS & IMPS?


You can send money quickly and easily via online cash transfer platforms like NEFT, RTGS, and IMPS. These transactions are significantly more straightforward with the Surat District Cooperative Bank IFSC code. To make a money transfer, you’ll need the following information:

  • The transaction’s value
  • Bank name of the recipient
  • Name of recipient
  • Account number of the sender
  • Number of the beneficiary’s bank account
  • The IFSC code of the beneficiary’s branch
  • Sender-to-receiver information, if applicable.


NEFT, or National Electronic Fund Transfer, was conceived by the Reserve Bank of India as an online fund transfer system for rapid transactions. It processes transactions in batches using the DNS (Deferred Net Settling) technique.

Once you have the beneficiary data mentioned above, you can quickly initiate the NEFT transaction. The steps of the transaction are:

Step 1: Access your bank’s online banking portal.

Step 2: From the main screen, select ‘Fund Transfer.’

Step 3: Choose the ‘NEFT’ option on the money transfer screen.

Step 4: To transfer money, choose a recipient from the list.

Step 5: On the webpage, click the ‘Add Beneficiary’ option to add a new beneficiary. Bank account, username, IFSC, bank branch, and account type should all be supplied.

Step 6: Double-check and validate the information you’ve entered.

Step 7: Confirm the beneficiary entry by entering the 4-digit OTP sent to the registered cellphone number.

Step 8: The beneficiary selected will be available for a money transfer after a specified period.

Step 9: To complete the transaction, pick the recipient, the banking account from which money must be sent, and the amount to be paid, and click the ‘Submit’ button.

Now you will be able to send money to the recipient quickly. Any transaction after the scheduled settlement time must wait until the next planned settlement time. There are no charges incurred if you use the net banking procedure to initiate a transfer. 

However, if you go to the bank for NEFT, they may ask for some payments to create a fund transfer.

Days Timing
Monday - Friday 9 AM - 7 PM (11 batches)
Saturday 9 AM - 1 PM (5 batches)


RTGS (Real Time Gross Settlement)

It is the personal (constant) settlement of financial transfers on an order-by-order basis. ‘Real Time’ refers to the processing of instructions as soon as received rather than in batches.

The term “gross settlement” refers to the individual settlement of money transfer orders. The transactions are final and irreversible because the money settlement occurs in the Reserve Bank of India’s records.

Here are the steps to initiate an RTGS transaction:

Step 1: Use your username and password credentials to access your net banking site.

Step 2: Click ‘Add Recipient’ under ‘Money Transfers.’

Step 3: Enter the following details to add a beneficiary: Name, bank details, IFSC, institution name, and branch address for the beneficiary consideration.

Step 4: Select 'Add'.

Step 5: Authenticate the activity using the OTP issued to you.

When you add the beneficiary, you will get an alert. Following the procedures outlined below, you may start a financial transfer:

Step 1: Select ‘Fund Transfer.’

Step 2: Choose the person or organization to whom you want to send money.

Step 3: Fill in all the required information, including the amount, the debit account number, and any comments.

Step 4: Accept the terms and conditions as written.

Step 5: Select ‘Confirm.'

Timings From 10:30 AM to 04:30 PM on all working days
Settlement Within 2 hours
Charges Contact bank for charges
Minimum limit 2 lacs
Maximum limit No maximum limit


IMPS (Immediate Payment Service)

This is an instant electronic online payment system that you may utilize throughout the year, including holidays. Since the transaction is quick and the method is simple, it is a superior transaction option.

Go to Surat Co-operative Bank’s online mobile banking facility to utilize the IMPS service. You can log in to the smartphone app as well using your bank credentials. 

Then, among the numerous available money transfer options, choose ‘IMPS’ and enter the needed information as instructed before. You will get a unique passcode that you must enter during the payment to complete the purchase. 

After validating your password, you’ll get a verification text with the reference number to your mobile number. This indicates that the bank completed the transaction successfully.

The transaction number provided may aid in transaction tracking. It will also assist you in raising any concerns in the future. Simply supply the remitter with the essential information about your savings account and institution to receive money.

Timings Available all times
Settlement Instant
  • Upto Rs. 1 lac - Rs. 5 per transaction
  • Rs. 1 lac - 2 lac - Rs. 15 per transaction
Minimum limit Rs. 1
Maximum limit Rs. 2 Lakhs


About the Surat District Co-op Bank Ltd


In 1909, Surat District Co Op (Urban) Union Ltd came into existence, but in 1923, it became Surat District Co Op Bank Ltd or SUDICO. The bank has been a successful organization for 98 years, providing financial solutions to the general population.

SUDICO has done an outstanding job assisting tribal farmers by providing timely credit to farmers. Aside from that, SUDICO has benefited corporations by providing them with adequate financial services. 

Surat District Bank has computerized all 62 branches to keep up with India’s banking technology.

Frequently Asked Questions

1) What is the Surat District Co-op Bank Balance Check Number?

You can call 18002337722 (toll-free) for instant support from the Surat district bank. They will help you with balance checks and other issues that you may encounter.

2) Is Surat a District Bank of Government?

No, Surat District Bank is not a government Bank.

3) What is the Surat District Co-op Bank Contact Number?

If you want to contact the bank to get details such as the Surat District Cooperative Bank IFSC code, you can call 0261- 2466001. 

4) Will the OTP be acceptable if you Attempt the Transaction Again?

No, the OTP is only valid for the first payment.

5) What if My Card is No Longer Valid?

For Renewal Card, don’t hesitate to contact the Surat District Co-Operative Bank Ltd office where you hold your deposit.