Over a Century of Shared Prosperity & Trust
Choose from highly rewarding savings schemes, personal and business credits, and secure retail net banking designed to scale your local dreams.
Experience High-Speed Digital Banking Anywhere
Supercharge your everyday finances with our SPCBL Pocket mobile app. Open instant FDs, pay merchants with UPI Lite, and enjoy biometrically locked net banking.
Surat's Preferred Bank with Over a Century of Shared Prosperity
Founded in 1922 during the co-operative movement, The Surat People's Co-operative Bank has stayed loyal to its founding values: trust, community growth, and customer care. Today, we manage over ₹4,500 Crores in volume while supporting thousands of regional enterprises and families.
RBI Scheduled Status
Highest class regulatory license
100% Core Banking Ready
Instant, secure transactions
Highest Safety Standards
DICGC insurance covered
Locally Rooted, Tech Driven
Century of community trust
Spotlight Products Tailored for You
Choose from a variety of highly rewarding savings schemes, dynamic personal and enterprise credit packages, and cutting-edge digital integrations.
Fixed Deposits
Multiply your cash securely. Earn up to 7.25% p.a. with multiple interest payout cycles (monthly, quarterly, or maturity).
Savings Accounts
Ideal account to park everyday savings. Earn up to 4.00% p.a. interest paid quarterly, with zero hidden costs.
Senior Citizen FD Special
Special financial plans tailored for elders. Get an extra 0.50% interest bonus, boosting FD returns up to 7.75% p.a.
Need Personal Assistance?
We are here to help. Search for active SPCBL branches and high-limit ATMs across Surat, view IFSC/MICR indices, and access mapping tools.