IFSC Code of Shivalik Small Finance Bank Limited, Chilkana Road, Saharanpur, Uttar Pradesh — SMCB0001009

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Shivalik Small Finance Bank Limited for its Chilkana Road branch in Saharanpur, Saharanpur, Uttar Pradesh, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Shivalik Small Finance Bank Limited situated in Saharanpur or anywhere in Uttar Pradesh can easily transfer funds instantly by using the correct IFSC Code SMCB0001009. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Shivalik Small Finance Bank Limited, Chilkana Road, Saharanpur

Here are the main details that are associated with the IFSC Code SMCB0001009 of Shivalik Small Finance Bank Limited for its branch located in Saharanpur, within the district of Saharanpur in the state of Uttar Pradesh.

These details are crucial, not just for online banking users but also for businesses and individuals who use Shivalik Small Finance Bank Limited in Saharanpur for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SMCB0001009 for the Chilkana Road branch of Shivalik Small Finance Bank Limited has an important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Shivalik Small Finance Bank Limited located in Chilkana Road, Saharanpur, Uttar Pradesh, are allotted a unique IFSC like SMCB0001009 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Saharanpur.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Saharanpur and Saharanpur.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It makes sure that money sent to Shivalik Small Finance Bank Limited in Chilkana Road reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.

Format of the IFSC Code SMCB0001009

The format of the IFSC Code for banks, including Shivalik Small Finance Bank Limited, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown of this:

• First 4 characters (AAAA): Represent the bank code. For Shivalik Small Finance Bank Limited, these characters are the bank's short identifier.
• 5th character (0): Always zero which is reserved for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Chilkana Road in Saharanpur.

For example, the IFSC Code SMCB0001009 of Shivalik Small Finance Bank Limited for the Chilkana Road branch includes these elements, identifying the bank and the branch location in Saharanpur and Uttar Pradesh accurately.

How to Find IFSC Code for Shivalik Small Finance Bank Limited?

If you are looking for the IFSC Code SMCB0001009 of Shivalik Small Finance Bank Limited for its Chilkana Road branch located in Saharanpur, the following methods can help:

Cheque Book

The cheque book that is issued by Shivalik Small Finance Bank Limited includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.

Passbook

Most of the banks, including Shivalik Small Finance Bank Limited branches in Saharanpur and Saharanpur, print the IFSC and MICR codes on the first page of the passbook.

Bank Website

You can visit the official website of Shivalik Small Finance Bank Limited and look for the branch locator section, then search for Chilkana Road or Saharanpur to get the exact IFSC Code SMCB0001009.

Mobile Banking App

If you use Shivalik Small Finance Bank Limited's mobile app, you can check your account details to easily find your branch's IFSC code.

RBI Website

The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Shivalik Small Finance Bank Limited and Saharanpur, then it will provide you proper information.

How to Use IFSC Code SMCB0001009 for Online Transfers?

If you have the IFSC Code SMCB0001009 for the Chilkana Road branch of Shivalik Small Finance Bank Limited in Saharanpur, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code SMCB0001009. Transfers are processed in batches. Suitable for personal and business payments.

RTGS

Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Asks for the recipient's account details and Shivalik Small Finance Bank Limited IFSC Code SMCB0001009.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Shivalik Small Finance Bank Limited Chilkana Road in Saharanpur, it may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Shivalik Small Finance Bank Limited in Chilkana Road, here are some of the ways you can get it:

• Check the bottom of your cheque leaf.
• Refer to the first page of your passbook.
• Visit the official Shivalik Small Finance Bank Limited website.
• Search the RBI portal.

Knowing both IFSC and MICR code can help account holders in Saharanpur manage their online transfers and cheque clearances easily.