Surat National Co-operative Bank
DELAD-SAYAN BRANCH
Understanding IFSC Code: The Digital DNA of Surat National Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the DELAD-SAYAN
branch of Surat National Co-operative Bank, the code SUNB0000018 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 SUNB0000018 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SUNB" represents Surat National Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for DELAD-SAYAN
Payment Systems Supported by SUNB0000018
| 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—395246017—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 National Co-operative Bank in SURAT typically follows the RBI holiday calendar. Digital transfers via SUNB0000018 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 SUNB0000018 is the valid code for DELAD-SAYAN at SURAT, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Surat National Co-operative Bank Branch List
- • SURAT IFSC Codes
- • Swift Code for Surat National Co-operative Bank
- • Bank Holiday in GUJARAT
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • DELAD-SAYAN Contact
- • Address of Surat National 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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