YESB0SMCB04 — Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara
YESB0SMCB04 is the IFSC code of Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara branch, Surat, Gujarat. MICR 395245004. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | YESB0SMCB04 |
|---|---|
| Bank | Surat Mercantile Co-operative Bank |
| Branch | Surat Merc Coop Bank Khatodara |
| Address | UNNATI OPP KRISHNA PETROL PUMP NR SOMA KANJI WADI KHATODARA, SURAT - 395017 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| MICR code | 395245004 |
| SWIFT code | — |
| Phone | +912612633122 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Surat Mercantile Co-operative Bank branches in Surat
- Surat Merc Coop Bank Amroli — YESB0SMCB08
- Surat Merc Coop Bank Anand Mahal Rd — YESB0SMCB10
- Surat Merc Coop Bank Bamroli — YESB0SMCB14
- Surat Merc Coop Bank Bhagal — YESB0SMCB02
- Surat Merc Coop Bank Bhatar Road — YESB0SMCB11
- Surat Merc Coop Bank Bhathena — YESB0SMCB07
- Surat Merc Coop Bank Kadodara — YESB0SMCB06
- Surat Merc Coop Bank Kapodara — YESB0SMCB09
- Surat Merc Coop Bank Katargam — YESB0SMCB03
- Surat Merc Coop Bank Pandeshra — YESB0SMCB13
- Surat Merc Coop Bank Rampura — YESB0SMCB12
How to read IFSC YESB0SMCB04
| Part | Meaning |
|---|---|
| YESB | Bank code – Surat Mercantile Co-operative Bank |
| 0 | Fifth character, always zero (kept for future use) |
| SMCB04 | Branch code – Surat Merc Coop Bank Khatodara, Surat |
The MICR code 395245004 is printed at the bottom of cheques from this branch: 395 is the city code, 245 the bank code and 004 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara
Payments this branch can receive using IFSC YESB0SMCB04:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC YESB0SMCB04.
Questions about IFSC YESB0SMCB04
What is the IFSC code of Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara branch?
The IFSC code of Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara branch (Surat, Gujarat) is YESB0SMCB04.
What is the MICR code of Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara?
The MICR code of this branch is 395245004.
Where is Surat Mercantile Co-operative Bank, Surat Merc Coop Bank Khatodara branch located?
The branch address is UNNATI OPP KRISHNA PETROL PUMP NR SOMA KANJI WADI KHATODARA, SURAT - 395017 (Gujarat).
Does YESB0SMCB04 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.