State Bank of India IFSC Codes in Surat, Gujarat

State Bank of India IFSC Codes in Surat, Gujarat

State Bank of India has 123 branches in Surat, Gujarat, with 123 branches registered on the Reserve Bank of India's NEFT and RTGS payment networks. Each branch has a unique 11-character IFSC code — the mandatory alphanumeric identifier required for all electronic fund transfers in India. BankZop's State Bank of India Surat directory is sourced directly from official RBI master data, making it the most reliable reference for branch IFSC codes in Surat.

Click any branch from the list above to view its complete details — IFSC code, MICR code, BSR code, address, pincode, and phone number — all on a single result page with one-click copy buttons.

How to Find Your State Bank of India IFSC Code in Surat

You are one click away from the IFSC code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your State Bank of India account is held. Make sure it is the exact branch — not just any State Bank of India branch in Surat.
• Step 3 — Copy the IFSC code: The result page shows the 11-character IFSC code with a large Copy button, displayed in monospace font for easy reading. It also shows the MICR code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check the first page of your State Bank of India passbook, your internet banking account summary, or the account details section of your State Bank of India mobile banking app. The IFSC code shown there will match the one on BankZop for the same branch.

What is the IFSC Code for State Bank of India in Surat?

Every State Bank of India branch in Surat has an 11-character IFSC code structured as follows:

• Characters 1–4 (Bank Code): All State Bank of India branches — in Surat and across India — share the same 4-letter bank code prefix assigned by the RBI. This uniquely identifies State Bank of India within the entire NEFT/RTGS network.
• Character 5 (Reserved Zero): Always the digit 0, never the letter O. Reserved by the RBI for future use. All 123 State Bank of India Surat branches share this character.
• Characters 6–11 (Branch Code): These 6 alphanumeric characters are unique to each branch. This is what differentiates the 123 State Bank of India branches in Surat from each other. Even two branches on the same street will have different branch codes.

This means you can quickly validate any State Bank of India IFSC code by checking that the first 4 characters match the bank's code and the 5th character is 0. If either check fails, the code is invalid.

When You Need the State Bank of India Surat IFSC Code

Sending NEFT or RTGS Transfers to State Bank of India Accounts in Surat

When someone needs to transfer money to your State Bank of India account in Surat via NEFT or RTGS, they need your account number and your branch's IFSC code. NEFT settles in half-hourly batches (available 24×7), while RTGS settles in real time for amounts above ₹2 lakh. Both are operated by the RBI and require the exact 11-character IFSC code of your specific State Bank of India branch in Surat. A single wrong character causes the transfer to fail.

IMPS Transfers to Surat Branches

IMPS, operated by NPCI, enables instant 24×7 transfers to State Bank of India accounts in Surat — including weekends and public holidays. Transfers using IFSC + account number are the most common method for IMPS. The IFSC code of the receiving State Bank of India branch in Surat is required to route the payment correctly.

UPI Account Registration

When you add your State Bank of India Surat account to a UPI app — PhonePe, Google Pay, BHIM, Paytm — the app requires your IFSC code to validate and link your bank account. Once your account is linked, daily UPI transactions use your VPA and you don't need to re-enter the IFSC.

Net Banking Beneficiary Registration

Adding a State Bank of India Surat branch account as a beneficiary in any bank's net banking portal requires the account number and IFSC code of the specific branch. Most banks impose a 30-minute to 24-hour cooling period for new beneficiaries before allowing large transfers. Always verify the IFSC code on BankZop before registering a new beneficiary to avoid delays.

State Bank of India IFSC vs MICR vs BSR in Surat — Which Code to Use

About State Bank of India Branches in Surat, Gujarat

State Bank of India has been serving customers in Surat with a network of 123 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 123 IFSC-enabled branches participate in the RBI's NEFT and RTGS settlement networks, ensuring electronic transfers to and from these branches are processed reliably and securely.

To browse State Bank of India branches in other cities in Gujarat, visit the State Bank of India Gujarat directory. For all State Bank of India branches nationwide, see the State Bank of India IFSC code directory. For cheque clearing and NACH codes, use the State Bank of India Surat MICR directory. For loan EMI planning, use the free EMI Calculator.