IFSC Code of Shivalik Small Finance Bank Limited, Surat, Surat, Gujarat — SMCB0001038

The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Shivalik Small Finance Bank Limited for its Surat branch in Surat, Surat, Gujarat, this complete guide will provide you with detailed information.

The banking system in India has changed over the years, and today customers of Shivalik Small Finance Bank Limited located in Surat or anywhere in Gujarat can transfer funds instantly by using the correct IFSC Code SMCB0001038. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.

Details of IFSC Code for Shivalik Small Finance Bank Limited, Surat, Surat

Here are some of the key details that come with the IFSC Code SMCB0001038 of Shivalik Small Finance Bank Limited for its branch located in Surat, within the district of Surat in the state of Gujarat.

These details are crucial, not just for online banking users but also for businesses and individuals who use Shivalik Small Finance Bank Limited in Surat for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code SMCB0001038 for the Surat 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, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Shivalik Small Finance Bank Limited located in Surat, Surat, Gujarat, is provided a unique IFSC like SMCB0001038 so that their online payments reach the right place.

The IFSC Code is important because:

• It uniquely recognizes the Shivalik Small Finance Bank Limited branch in Surat.
• Helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any confusions between multiple branches of the same bank across different places like Surat and Surat.
• It reduces most of the errors in fund transfers and makes sure its accuracy.
• It enables sender banks to validate and confirm branch details before processing payments.

For thousands of branches across Gujarat and the rest of India, the IFSC Code ensures that transactions meant for Shivalik Small Finance Bank Limited in Surat do not get misguided to another person.

Format of the IFSC Code SMCB0001038

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

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): Show the bank code. For Shivalik Small Finance Bank Limited, these letters represent the bank's short name.
• 5th character: Is always zero and is kept for future use.
• Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Surat in Surat.

For example, the IFSC Code SMCB0001038 of Shivalik Small Finance Bank Limited for the Surat branch includes these elements, identifying the bank and the branch location in Surat and Gujarat correctly.

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

To find the IFSC Code SMCB0001038 of Shivalik Small Finance Bank Limited for its Surat branch located in Surat, 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 Surat and Surat, 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 Surat or Surat to find the exact IFSC Code SMCB0001038.

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 Surat will provide accurate information.

How to Use IFSC Code SMCB0001038 for Online Transfers?

Once you have the IFSC Code SMCB0001038 for the Surat branch of Shivalik Small Finance Bank Limited in Surat, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code SMCB0001038. 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 SMCB0001038.

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 Surat in Surat, 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 Surat, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Surat to handle online money transfers and get their cheques cleared smoothly.