IFSC Code of HDFC Bank, Smriti Nagrik Sahakari Bank Ltd Branch, Madhya Pradesh

Below are the complete branch details for HDFC Bank, SMRITI NAGRIK SAHAKARI BANK LTD branch, located in MANDSAUR, MADHYA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CSMRTB. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0CSMRTB for HDFC Bank – SMRITI NAGRIK SAHAKARI BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For HDFC Bank's SMRITI NAGRIK SAHAKARI BANK LTD branch, the IFSC HDFC0CSMRTB breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CSMRTB identifies this particular branch.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Smriti Nagrik Sahakari Bank Ltd branch — IFSC HDFC0CSMRTB — extends the bank's services to customers in and around Mandsaur, Madhya Pradesh.

About this branch

The branch is located at GAUSHALA MARKET,DAYA MANDIR ROAD,MANDSAUR. It serves the Mandsaur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of HDFC Bank. The IFSC HDFC0CSMRTB is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how HDFC Bank's SMRITI NAGRIK SAHAKARI BANK LTD branch came to be assigned the code HDFC0CSMRTB.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC HDFC0CSMRTB, money simply cannot be routed to the SMRITI NAGRIK SAHAKARI BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Smriti Nagrik Sahakari Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CSMRTB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC HDFC0CSMRTB

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC HDFC0CSMRTB across all three.

How to use IFSC HDFC0CSMRTB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's SMRITI NAGRIK SAHAKARI BANK LTD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0CSMRTB.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as SMRITI NAGRIK SAHAKARI BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SMRITI NAGRIK SAHAKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's SMRITI NAGRIK SAHAKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CSMRTB while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – SMRITI NAGRIK SAHAKARI BANK LTD, use IMPS. With IFSC HDFC0CSMRTB and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Smriti Nagrik Sahakari Bank Ltd

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC HDFC0CSMRTB:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SMRITI NAGRIK SAHAKARI BANK LTD is still linked to IFSC HDFC0CSMRTB.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's SMRITI NAGRIK SAHAKARI BANK LTD branch, the IFSC HDFC0CSMRTB is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Smriti Nagrik Sahakari Bank Ltd branch

Once you have an account at HDFC Bank – SMRITI NAGRIK SAHAKARI BANK LTD, the IFSC HDFC0CSMRTB stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Smriti Nagrik Sahakari Bank Ltd branch can access most of HDFC Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC HDFC0CSMRTB

Digital banking channels

Most day-to-day work that customers used to do at the Smriti Nagrik Sahakari Bank Ltd branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC HDFC0CSMRTB is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Smriti Nagrik Sahakari Bank Ltd branch sits at GAUSHALA MARKET,DAYA MANDIR ROAD,MANDSAUR. If you are travelling from outside Mandsaur, search for the branch on a maps application using the bank name and locality, or call 91-8770865698 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HDFC0CSMRTB and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to HDFC Bank – SMRITI NAGRIK SAHAKARI BANK LTD:

• The IFSC is exactly HDFC0CSMRTB with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills HDFC Bank as the bank name and SMRITI NAGRIK SAHAKARI BANK LTD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Smriti Nagrik Sahakari Bank Ltd are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to HDFC0CSMRTB continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CSMRTB for HDFC Bank – SMRITI NAGRIK SAHAKARI BANK LTD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CSMRTB is the IFSC code of HDFC Bank, SMRITI NAGRIK SAHAKARI BANK LTD branch, in MANDSAUR, MADHYA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.