Surat District Co-operative Bank
BANDHARPADA BRANCH
+917486013167
Understanding IFSC Code: The Digital DNA of Surat District Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the BANDHARPADA
branch of Surat District Co-operative Bank, the code SDCB0000096 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SDCB0000096 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SDCB" represents Surat District Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for BANDHARPADA
Payment Systems Supported by SDCB0000096
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—394244540—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Surat District Co-operative Bank in SONGADH typically follows the RBI holiday calendar. Digital transfers via SDCB0000096 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SDCB0000096 is the valid code for BANDHARPADA at SONGADH, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Surat District Co-operative Bank Branch List
- • SONGADH IFSC Codes
- • Swift Code for Surat District Co-operative Bank
- • Bank Holiday in GUJARAT
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
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Branch Context
- • BANDHARPADA Contact
- • Address of Surat District Co-operative Bank
- • MICR Code Finder
- • GUJARAT Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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