YESB0SMCB05 — Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps
YESB0SMCB05 is the IFSC code of Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps branch, Mumbai, Maharashtra. MICR 395245005. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | YESB0SMCB05 |
|---|---|
| Bank | Surat Mercantile Co-operative Bank |
| Branch | Surat Mercantile Co-operative Bank Imps |
| Address | 7/359-60 UTKARSH MODI COMPOUND, LAL DARWAJA, SURAT - 395003 |
| City | Mumbai |
| District | Surat |
| State | Maharashtra |
| MICR code | 395245005 |
| SWIFT code | — |
| Phone | +912612532502 |
| 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.
How to read IFSC YESB0SMCB05
| Part | Meaning |
|---|---|
| YESB | Bank code – Surat Mercantile Co-operative Bank |
| 0 | Fifth character, always zero (kept for future use) |
| SMCB05 | Branch code – Surat Mercantile Co-operative Bank Imps, Mumbai |
The MICR code 395245005 is printed at the bottom of cheques from this branch: 395 is the city code, 245 the bank code and 005 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps
Payments this branch can receive using IFSC YESB0SMCB05:
- 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 YESB0SMCB05.
Questions about IFSC YESB0SMCB05
What is the IFSC code of Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps branch?
The IFSC code of Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps branch (Mumbai, Maharashtra) is YESB0SMCB05.
What is the MICR code of Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps?
The MICR code of this branch is 395245005.
Where is Surat Mercantile Co-operative Bank, Surat Mercantile Co-operative Bank Imps branch located?
The branch address is 7/359-60 UTKARSH MODI COMPOUND, LAL DARWAJA, SURAT - 395003 (Maharashtra).
Does YESB0SMCB05 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.