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Surat Mercantile Co-operative Bank

SURAT MERC COOP BANK PANDESHRA Branch, SURAT

IFSC Code
YESB0SMCB13
Required for NEFT, RTGS, IMPS money transfers
MICR Code
395245013
Used in magnetic paper cheque clearing

11-Character IFSC Anatomy Breakdown

YESB Bank Code (1-4)
0 Control Zero (5th)
SMCB13 Branch Code (6-11)

Complete Branch Details

Full Address SHOP NO 8 TO 11 GHANSHYAM COMPLEX, PANDESHRA, SURAT - 394221
State GUJARAT
District / City SURAT
Centre / Region SURAT
Contact / Helpline +912612890512
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Electronic Transfer Capabilities & Limits

NEFT

Available 24x7

Half-hourly batch clearance

RTGS

Min. ₹2 Lakh

Real-time gross settlement

IMPS

Instant Transfer

Up to ₹5 Lakh limit

UPI / QR

1-Tap VPA

GPay, PhonePe, Paytm

How to Transfer Money to this Branch

  1. Log in to your mobile banking app or Internet Banking portal (SBI, HDFC, ICICI, etc.).
  2. Navigate to Fund Transfer → Add Beneficiary / Payee.
  3. Enter the recipient's Account Number and paste IFSC code YESB0SMCB13.
  4. Confirm bank name displays as Surat Mercantile Co-operative Bank and branch as SURAT MERC COOP BANK PANDESHRA.
  5. Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.

Frequently Asked Questions (YESB0SMCB13)

What is the IFSC code of Surat Mercantile Co-operative Bank SURAT MERC COOP BANK PANDESHRA branch? ↓

The verified 11-digit IFSC code is YESB0SMCB13. This unique alphanumeric code is used for routing electronic fund transfers via NEFT, RTGS, IMPS, and clearing networks across India.

Can I transfer money on Sundays and bank holidays using this IFSC code? ↓

Yes! Under Reserve Bank of India (RBI) directives, NEFT, RTGS, IMPS, and UPI operate 24x7x365, including Sundays, second/fourth Saturdays, and public holidays. Electronic transfers will be processed automatically without branch intervention.

What is the MICR code of Surat Mercantile Co-operative Bank SURAT MERC COOP BANK PANDESHRA? ↓

The 9-digit Magnetic Ink Character Recognition (MICR) code is 395245013. It is printed on cheque leaves for high-speed automated sorting at RBI clearing houses.

Where is the branch located? ↓

The official branch address is SHOP NO 8 TO 11 GHANSHYAM COMPLEX, PANDESHRA, SURAT - 394221, located in SURAT district, GUJARAT.

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VARACHHA ROAD,SURAT Branch

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 YESB0PMCB07

PANCHSHEEL MERC COOP BANK VARACHHA Branch

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 YESB0SMCB06

SURAT MERC COOP BANK KADODARA Branch

SURAT, GUJARAT

 YESB0SMCB08

SURAT MERC COOP BANK AMROLI Branch

SURAT, GUJARAT

 YESB0SMCB09

SURAT MERC COOP BANK KAPODARA Branch

SURAT, GUJARAT

 YESB0SMCB10

SURAT MERC COOP BANK ANAND MAHAL RD Branch

SURAT, GUJARAT

 YESB0SMCB11

SURAT MERC COOP BANK BHATAR ROAD Branch

SURAT, GUJARAT

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