Real Time Gross Settlement (RTGS) system is a funds transfer mechanism where transfer of money takes place from one member bank to another on a “real time” and on “gross” basis. This is the fastest possible money transfer system through the banking channel. Our Bank provides RTGS facility through our bankers viz HDFC Bank, IDBI Bank, etc.
Ceiling in amount for RTGS transaction
The RTGS system is primarily for large value transaction.
The minimum amount to be remitted through RTGS is Rs. 2 Lacs.
There is no upper ceiling for RTGS transaction
Transaction hours
The RTGS service for customer’s transactions is available from 10.30 to 16.00 for all working day...
Time limit for credit
The beneficiary bank credits the beneficiary’s account within two hours of receiving the funds transfer message.
The essential information required for RTGS remittance
The remitting customer has to furnish the following information to a bank effecting a RTGS remittance:
Ceiling in amount for RTGS transaction
The RTGS system is primarily for large value transaction.
The minimum amount to be remitted through RTGS is Rs. 2 Lacs.
There is no upper ceiling for RTGS transaction
Transaction hours
The RTGS service for customer’s transactions is available from 10.30 to 16.00 for all working day...
Time limit for credit
The beneficiary bank credits the beneficiary’s account within two hours of receiving the funds transfer message.
The essential information required for RTGS remittance
The remitting customer has to furnish the following information to a bank effecting a RTGS remittance:
- Amount to be remitted.
- His/her account number which is to be debited.
- Name of the beneficiary bank.
- Name of the beneficiary customer.
- Account number of the beneficiary customer.
- Sender to receiver information, if any.
- The IFSC code of the receiving branch.
Push Functionality (Generally Sent By Bank itself)
Bank is sending SMS for:
Bank is sending SMS for:
- Pending cheques for clearance.
- Account overdrawn.
- Greeting Messages.
- Debit / Credit Transaction for the day.
- Inward / Outward clearing Returns.
- Outward clearing Returns.
- Interest charged to Loan a/cs.
- Bank shall provide SMS service to only those accounts holders whose mobile phone nos., are registered with the bank. (Please Download the form)
- Bank shall take care in sending SMS to customer’s mobile phone, but does not accept any responsibility / liability whatsoever arising out of non-receipt of SMS by the customer, due to failure on the service provider or for any other reason.
- The account holder must intimate any change/loss in the mobile number to the bank immediately.
- Normally bank is not bound to intimate the account holder non-availability of the funds in their account for honoring their cheques. The inward cheques in clearing shall be honored against clear opening balance in the account.
Reserve bank of India has introduced a system called National Electronic Funds Transfer system (NEFT) through which fund transfer operation would take place among member bank and financial institutions. Our bank is one of the participants in the above system. Our bank is providing this service through our other banks.
Objective : The objectives of the NEFT system are:
To relieve the stress on the existing paper based fund transfer and clearing system.
Customers of Surat National Co-op. Bank Ltd can send/receive remittances under NEFT scheme to / from any destination Bank/ branch which is registered with RBI’s NEFT system.
Presently more than 1,48,000 branches of 216 member banks spread across the country are participate in NEFT.
Amount Of Remittance :
There is no ceiling of minimum and maximum amount of remittance/transaction.
Credit To Beneficiary’s Account :
Credit to the beneficiary Account will be given by Beneficiary’s bank branch on the same day and in case of holiday / after business hours, credit will be given on next business date.
Timings :
Weekdays: 10:00 AM TO 04:00 PM
Saturday: 10:00 AM TO 04:00 PM (Except 2nd, 4th saturday and public Holidays)
Please Contact Us :
Surat National Co-Operative Bank Ltd
3/4016, “Navnidhi”, Navapura Karwa road,
Surat-395003.
Telephone Numbers
Account Department
+91 261 6713027, 6713028
Email: accounts@suratnational.bank.in
Objective : The objectives of the NEFT system are:
To relieve the stress on the existing paper based fund transfer and clearing system.
- Credit to Beneficiary’s Account on the same day/next day if remittance done late in the evening.
- Safest and secure Mode of Fund Transfer.
- No charges for inward and outward Remittance.
- Money can be put to use by beneficiary on the same day.
Customers of Surat National Co-op. Bank Ltd can send/receive remittances under NEFT scheme to / from any destination Bank/ branch which is registered with RBI’s NEFT system.
Presently more than 1,48,000 branches of 216 member banks spread across the country are participate in NEFT.
Amount Of Remittance :
There is no ceiling of minimum and maximum amount of remittance/transaction.
Credit To Beneficiary’s Account :
Credit to the beneficiary Account will be given by Beneficiary’s bank branch on the same day and in case of holiday / after business hours, credit will be given on next business date.
Timings :
Weekdays: 10:00 AM TO 04:00 PM
Saturday: 10:00 AM TO 04:00 PM (Except 2nd, 4th saturday and public Holidays)
Please Contact Us :
Surat National Co-Operative Bank Ltd
3/4016, “Navnidhi”, Navapura Karwa road,
Surat-395003.
Telephone Numbers
Account Department
+91 261 6713027, 6713028
Email: accounts@suratnational.bank.in
Immediate Payment Service (IMPS)
We are pleased to announce the launching of the IMPS facility of NPCI (National Payments Corporation of India) for our customers through our Mobile Banking Application - SNCB Mobile Banking.
Immediate Payment Service - IMPS is an instant payment inter-bank electronic funds transfer service through mobile phones. Unlike NEFT and RTGS, the service is available 24*7 throughout the year including bank holidays. It is a platform that makes the payments possible within a fraction of seconds.
Benefits of IMPS
Using P2P, a customer can send/receive money using MMID & Phone number.
Sender & Receiver have to register for Mobile Banking & get a unique 7 digit code called MMID (Mobile Money Identifier). Each MMID is linked to a unique Mobile Number. Different MMIDs can be linked to same Mobile Number
Using P2A, a customer can remit money to other bank’s accounts using account number of the beneficiary & IFS Code of the branch where beneficiaries account exist. IFS Code is a 11 digit alphanumeric number, available in the user's Cheque book.
Download SNCB Mobile Banking App from this link :
For Android : SNCB Mobile Banking+
For IOS : SNCB Mobile Banking+
We are pleased to announce the launching of the IMPS facility of NPCI (National Payments Corporation of India) for our customers through our Mobile Banking Application - SNCB Mobile Banking.
Immediate Payment Service - IMPS is an instant payment inter-bank electronic funds transfer service through mobile phones. Unlike NEFT and RTGS, the service is available 24*7 throughout the year including bank holidays. It is a platform that makes the payments possible within a fraction of seconds.
Benefits of IMPS
- Instant (Real time)
- Available 24*7 (works on holidays also)
- Easily accessible
- Safe & secure
- Available on the go.
- Balance Enquiry- Enquire about your account balance.
- Mini Statement - Generate a Mini Statement for your account
- IMPS Fund Transfer - P2P (Person-to-Person)
- IMPS Fund Transfer - P2A (Person-to-Account)
- Using Mobile number & MMID (P2P)
- Using Account number & IFS Code (P2A)
Using P2P, a customer can send/receive money using MMID & Phone number.
Sender & Receiver have to register for Mobile Banking & get a unique 7 digit code called MMID (Mobile Money Identifier). Each MMID is linked to a unique Mobile Number. Different MMIDs can be linked to same Mobile Number
- Generation of MMID is a One-time process
- Remitter (Sender) transfer funds to beneficiary (Receiver) using Mobile no. & 7 digit MMID of beneficiary.
Using P2A, a customer can remit money to other bank’s accounts using account number of the beneficiary & IFS Code of the branch where beneficiaries account exist. IFS Code is a 11 digit alphanumeric number, available in the user's Cheque book.
Download SNCB Mobile Banking App from this link :
For Android : SNCB Mobile Banking+
For IOS : SNCB Mobile Banking+
ATM - Rupay Debit Cards
ATM – Limit & Charges
ATM Transaction Limits & Charges performed through Shared ATM Network.
Saving/Current
Duplicate PIN Mailer : Rs.50/-
Rules to Keep Your ATM Transactions Safe & Secure :
ATM – Limit & Charges
ATM Transaction Limits & Charges performed through Shared ATM Network.
Saving/Current
- ATM Card Facility with Withdrawal Limit of Rs.30,000/- per day
- 5 Free cash withdrawal transactions per month
- Rs.19/- per financial transaction above 5 free transactions & Rs.7/- per Non-financial transaction above 5 free transactions from other Bank’s ATM
Duplicate PIN Mailer : Rs.50/-
Rules to Keep Your ATM Transactions Safe & Secure :
- Never keep the PIN with the debit card or write on it. Always memorize it.
- Change your ATM PIN regularly.
- Do not throw your transaction slip in the ATM room as it contains your account information.
- Do not provide the ATM card and PIN details to anyone, including Bank, RBI, Govt. agency, family, friends etc. Bank or any other institution will never ask for this information.
- Do not let strangers come in to the ATM room or take their help to complete the transactions.
- Block and destroy your old card, when you get a new one. Register your mobile number at the Branch to get SMS alerts for all transactions
WhatsApp Banking
Surat National Bank is always trying to provide best services to the customers. WhatsApp Banking is another addition to our digital banking services. WhatsApp is a direct platform that allows banks and customers to meet in an instant window. With Banking services on WhatsApp, customers can receive direct messages from the bank on new product notifications and alerts. Customers can send direct messages to their bank seeking answers to their queries on fixed deposits, loans, ATM cards etc.
Who can use WhatsApp Banking Service?
Information Services :
Surat National Bank is always trying to provide best services to the customers. WhatsApp Banking is another addition to our digital banking services. WhatsApp is a direct platform that allows banks and customers to meet in an instant window. With Banking services on WhatsApp, customers can receive direct messages from the bank on new product notifications and alerts. Customers can send direct messages to their bank seeking answers to their queries on fixed deposits, loans, ATM cards etc.
Who can use WhatsApp Banking Service?
- The customer is an individual and is a major.
- The customer is having at least one operative account (Savings / Current / CC-OD) as a main holder.
- The customer has registered its Indian Mobile Number with the bank.
- Non-customers will be provided limited services such as viewing Deposit and Loan/Advances Interest rates.
- If you are a Surat National Bank customer, you can call from your registered mobile number or send a 'Hi' from your WhatsApp to 9328874396, the Surat National Bank WhatsApp Banking number OR Simply scan the QR Code using your mobile and avail the services offered by us.
- You will receive an immediate response from the bank welcoming you to their instant banking services on WhatsApp.
- A menu of the services offered will roll out on the screen, select the service you require. From digital banking channel-based services to fast tag services, wealth management services and digital loan services to other services and facilities, this instant banking solution is the easiest way to reach your bank account.
Information Services :
- Account Balance
- Mini Statement
- Detail Statement
- Today's Clearing
- Branch IFSC Details
- Deposit Rates
- Loan Rates
- What's New
- Block Debit Card
- Cheque Book Request
- Cheque Stop Request
- Positive Pay Request