Surat Mercantile Co-operative Bank
SURAT MERC COOP BANK BHATAR ROAD BRANCH
+912612232133
Understanding IFSC Code: The Digital DNA of Surat Mercantile Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the SURAT MERC COOP BANK BHATAR ROAD
branch of Surat Mercantile Co-operative Bank, the code YESB0SMCB11 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 YESB0SMCB11 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"YESB" represents Surat Mercantile Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SURAT MERC COOP BANK BHATAR ROAD
Payment Systems Supported by YESB0SMCB11
| 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—395245011—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 Mercantile Co-operative Bank in SURAT typically follows the RBI holiday calendar. Digital transfers via YESB0SMCB11 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 YESB0SMCB11 is the valid code for SURAT MERC COOP BANK BHATAR ROAD at SURAT, ensure the beneficiary name matches perfectly in your mobile banking app.
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Financial Tools
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Branch Context
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Platform Links
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