How many Surat People's Co-operative Bank branches are in Gujarat?

Surat People's Co-operative Bank has 35 branches across 3 cities in Gujarat, all registered on the RBI's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code. Use the city list above to find your specific branch.

How do I find the MICR code for my Surat People's Co-operative Bank branch in Gujarat?

To find your Surat People's Co-operative Bank MICR code in Gujarat: (1) Select your city from the list above, (2) Click your branch name, (3) The 9-digit MICR code is displayed on the result page with a one-click Copy button. You can also check the bottom of any Surat People's Co-operative Bank cheque — the MICR code is the 9-digit number printed in magnetic ink between the cheque number and account number.

What is the MICR code used for at Surat People's Co-operative Bank branches in Gujarat?

The Surat People's Co-operative Bank MICR code in Gujarat is required for: SIP registrations — NACH mandate forms for mutual fund SIPsECS mandates — auto-debit for insurance, utilities, and billsLoan EMI auto-debit — NACH mandate for home, personal, and car loansCheque clearing — all Surat People's Co-operative Bank cheques in Gujarat are processed using MICR

Is the MICR code the same for all Surat People's Co-operative Bank branches in Gujarat?

No. Every Surat People's Co-operative Bank branch in Gujarat has a unique 9-digit MICR code. The first 3 digits identify the city clearing zone, the middle 3 identify the bank, and the last 3 identify the specific branch. Two branches in the same city share the first 6 digits but have different last 3 digits.

Why would a NACH or ECS mandate from a Surat People's Co-operative Bank Gujarat branch fail?

NACH and ECS mandates using a Surat People's Co-operative Bank Gujarat MICR code can fail for several reasons: (1) Incorrect MICR code — using a code from a different Surat People's Co-operative Bank branch or another bank entirely. (2) Account number mismatch — the account number on the mandate does not match the bank's records for that branch. (3) Mandate not yet activated — paper NACH mandates take 20–30 days to process; a debit attempted before activation will be rejected. (4) Insufficient balance on the scheduled debit date. (5) Account frozen, dormant, or closed. If rejected, the lender or fund house receives a return code and will contact you to resubmit with the correct MICR details.

How quickly do cheques from Surat People's Co-operative Bank Gujarat branches clear through CTS?

Cheques drawn on Surat People's Co-operative Bank branches in Gujarat clear in T+1 working days through the RBI's Cheque Truncation System (CTS). A cheque deposited on Monday is credited to the payee by Tuesday; one deposited Friday clears the following Monday. The CTS operates on scanned cheque images — no physical paper moves between banks after the initial deposit — which enables one-day clearing across all 3 cities where Surat People's Co-operative Bank operates in Gujarat. High-value cheques above ₹50,000 may occasionally take T+2 days.

Can I use any Surat People's Co-operative Bank Gujarat branch MICR code for my SIP?

No. You must use the MICR code of the specific Surat People's Co-operative Bank branch where your account is held — not just any branch in Gujarat. Using a different branch's MICR code on a NACH mandate will cause rejection. Navigate to your exact branch using the city list above.

How do I verify my Surat People's Co-operative Bank MICR code in Gujarat?

You can verify your Surat People's Co-operative Bank branch MICR code in Gujarat three ways: (1) Use BankZop — navigate State → City → Branch for the official RBI-sourced code. (2) Check the bottom of your Surat People's Co-operative Bank cheque leaf — the 9-digit magnetic ink number is your MICR code. (3) Log into Surat People's Co-operative Bank internet banking and check Account Details. Data on BankZop is sourced from RBI CTS records.

Surat People's Co-operative Bank MICR Code Gujarat — Branch Codes for

Surat People's Co-operative Bank MICR Codes in Gujarat — Complete City Directory

Surat People's Co-operative Bank operates 35 branches across 3 cities in Gujarat, all registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Every branch has a unique 9-digit MICR code — a mandatory identifier for cheque clearing, ECS mandates, SIP registrations, and NACH auto-debits. BankZop's Surat People's Co-operative Bank Gujarat MICR directory is sourced directly from official RBI CTS data and updated regularly, making it the most reliable source for accurate branch MICR codes in Gujarat.

Whether you are setting up a mutual fund SIP, registering an ECS mandate for insurance, or submitting a NACH form for loan EMI collection, you need the exact MICR code of the Surat People's Co-operative Bank branch in Gujarat where your account is held. Use the city list above to navigate directly to your branch.

How to Find Your Surat People's Co-operative Bank MICR Code in Gujarat

Finding the right MICR code takes under 30 seconds on BankZop. Here is the exact process:

Step 1 — Select City: You are already on the Gujarat page. Choose your city from the list above. Type in the search box to filter instantly if the list is long.
Step 2 — Select Branch: The city page lists all Surat People's Co-operative Bank branches in that city. Click your specific branch — the one where your savings or current account is held.
Step 3 — Copy MICR Code: The branch result page shows the full 9-digit MICR code with a one-click Copy button. It also shows the IFSC code, BSR code, address, and phone number for the same branch.

If you already have your Surat People's Co-operative Bank cheque book, the MICR code is printed at the bottom of every cheque leaf in magnetic ink — the 9-digit number between the cheque serial number and your account number. You can verify it matches our database by searching BankZop for your branch.

Why Each Surat People's Co-operative Bank Branch in Gujarat Has a Different MICR Code

Every Surat People's Co-operative Bank branch in Gujarat has a unique 9-digit MICR code structured as follows:

Digits 1–3 (City Code): Identifies the CTS clearing zone within Gujarat. Each major city in Gujarat has a distinct 3-digit city code assigned by the RBI. All Surat People's Co-operative Bank branches in the same city share this prefix.
Digits 4–6 (Bank Code): Identifies Surat People's Co-operative Bank within that city's clearing zone. This is the same for all Surat People's Co-operative Bank branches in the same city.
Digits 7–9 (Branch Code): This is what makes each MICR code unique. The final 3 digits identify the specific Surat People's Co-operative Bank branch. No two branches in Gujarat share the same complete 9-digit code.

This hierarchical structure enables the RBI's CTS clearing system to automatically route any Surat People's Co-operative Bank cheque in Gujarat to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Surat People's Co-operative Bank Gujarat MICR Code

SIP and Mutual Fund Registrations

If you hold a Surat People's Co-operative Bank savings account in Gujarat and want to set up a Systematic Investment Plan (SIP), the NACH mandate form will ask for your branch's MICR code. This is how the fund house identifies your Surat People's Co-operative Bank Gujarat branch to debit your SIP amount each month through the NPCI's NACH platform. Entering the wrong MICR code will result in a rejected mandate and delayed SIP setup.

ECS Mandates for Utilities and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity bills, broadband payments, gas connections, and insurance premium renewals all require your Surat People's Co-operative Bank branch MICR code in Gujarat. The ECS mandate form specifically asks for a 9-digit MICR code — not the IFSC code. The clearing system uses this to identify your branch and process the auto-debit on the due date.

Loan EMI Collection Mandates

Banks and NBFCs operating in Gujarat collect loan EMIs via NACH mandates. When you sign a NACH form for a home loan, personal loan, car loan, or two-wheeler loan, the lender's bank uses your Surat People's Co-operative Bank branch MICR code to set up the recurring debit. An incorrect MICR code causes the mandate to fail, resulting in a missed EMI and possible late payment penalties.

Post-Dated Cheques and Cheque Clearing

All cheques issued by Surat People's Co-operative Bank branches in Gujarat carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Gujarat reads the MICR code to route the clearing request electronically. The entire process — from deposit to settlement — happens within one business day, thanks to the MICR-based CTS infrastructure.

Cities in Gujarat with Surat People's Co-operative Bank Branches

Surat People's Co-operative Bank has a presence in 3 cities across Gujarat with MICR-enabled branches:

Navsari 2 Surat 31 Valsad 2

Branch counts reflect MICR-enabled branches on the RBI CTS grid as of Jun 2026. Data sourced from RBI CTS records.

To browse Surat People's Co-operative Bank branches in other states, visit the Surat People's Co-operative Bank MICR directory. For all bank MICR codes, use the MICR Code Lookup homepage. For loan planning, try the free EMI Calculator.

Surat People's Co-operative Bank MICR Codes in Gujarat — All Cities