Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Shivalik Small Finance Bank Limited for its Sharda Nagar branch in Saharanpur, Saharanpur, Uttar Pradesh, then this guide will give you detailed information.
The banking system has evolved significantly in India, and today the customers of Shivalik Small Finance Bank Limited located in Saharanpur or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code SMCB0001017. You should definitely 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, Sharda Nagar, Saharanpur
The table below shows the main details of the IFSC Code SMCB0001017 for the Shivalik Small Finance Bank Limited branch in Saharanpur, which falls under the Saharanpur district in Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Shivalik Small Finance Bank Limited |
| IFSC Code | SMCB0001017 |
| Branch | Sharda Nagar |
| City | Saharanpur |
| District | Saharanpur |
| State | Uttar Pradesh |
| Address | Ground Floor, 1 By 1245, Wak Mohala, Khalasi Line, Sharda Nagar, Saharanpur Up |
These details helps users in online banking and for businesses and individuals who use Shivalik Small Finance Bank Limited in Saharanpur for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SMCB0001017 for the Sharda Nagar branch of Shivalik Small Finance Bank Limited plays a vital 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 Sharda Nagar, Saharanpur, Uttar Pradesh, are allotted a unique IFSC like SMCB0001017 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 Sharda Nagar reaches the right place, even though there are thousands of branches in Uttar Pradesh and across India.
Format of the IFSC Code SMCB0001017
This is the format of the IFSC Code for banks, including Shivalik Small Finance Bank Limited, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Shivalik Small Finance Bank Limited, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Sharda Nagar in Saharanpur.
For example, the IFSC Code SMCB0001017 of Shivalik Small Finance Bank Limited for the Sharda Nagar 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?
To find the IFSC Code SMCB0001017 of Shivalik Small Finance Bank Limited for its Sharda Nagar branch located in Saharanpur, the following methods can help you out:
Cheque Book
The cheque book issued by Shivalik Small Finance Bank Limited includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most 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
Visit the official website of Shivalik Small Finance Bank Limited and go to the branch locator section. Then search for Sharda Nagar or Saharanpur to find the exact IFSC Code SMCB0001017.
Mobile Banking App
If you use Shivalik Small Finance Bank Limited's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for Shivalik Small Finance Bank Limited and Saharanpur will provide accurate information.
How to Use IFSC Code SMCB0001017 for Online Transfers?
Once you have the IFSC Code SMCB0001017 for the Sharda Nagar branch of Shivalik Small Finance Bank Limited in Saharanpur, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code SMCB0001017. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Shivalik Small Finance Bank Limited IFSC Code SMCB0001017.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Shivalik Small Finance Bank Limited Sharda Nagar in Saharanpur, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Shivalik Small Finance Bank Limited in Sharda Nagar, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Saharanpur manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is SMCB0001017.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Ground Floor, 1 By 1245, Wak Mohala, Khalasi Line, Sharda Nagar, Saharanpur Up located in Saharanpur, Saharanpur, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.