IFSC Code of Shivalik Small Finance Bank Limited, Ambala Cant Branch, Haryana

Below are the complete branch details for Shivalik Small Finance Bank Limited, AMBALA CANT branch, located in AMBALA, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is SMCB0001040. 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 SMCB0001040 for Shivalik Small Finance Bank Limited – AMBALA CANT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Shivalik Small Finance Bank Limited – AMBALA CANT is SMCB0001040. The first four letters SMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001040 map to this branch in AMBALA, HARYANA.

Bank profile

Shivalik Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambala Cant branch — IFSC SMCB0001040 — extends the bank's services to customers in and around Ambala, Haryana.

About the Ambala Cant branch

The Ambala Cant branch of Shivalik Small Finance Bank Limited is situated at GROUND FLOOR 5369 1 PUNJABI MOHALLA AMBALA CANT 133001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SMCB0001040 is used.

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 Shivalik Small Finance Bank Limited's AMBALA CANT branch came to be assigned the code SMCB0001040.

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 SMCB0001040, money simply cannot be routed to the AMBALA CANT branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Shivalik Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SMCB0001040 and the account number together uniquely identify the Ambala Cant branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SMCB0001040

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 SMCB0001040 across all three.

NEFT to Shivalik Small Finance Bank Limited, AMBALA CANT using IFSC SMCB0001040

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SMCB0001040, and confirm that the system picks up Shivalik Small Finance Bank Limited – AMBALA CANT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AMBALA CANT

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's AMBALA CANT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001040 while initiating the transfer and the credit will appear within minutes.

IMPS to Shivalik Small Finance Bank Limited AMBALA CANT (IFSC SMCB0001040)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMCB0001040 in your mobile or internet banking app, and the money is credited to the AMBALA CANT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC SMCB0001040 for Shivalik Small Finance Bank Limited – AMBALA CANT, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ambala Cant branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 Shivalik Small Finance Bank Limited's AMBALA CANT branch, the IFSC SMCB0001040 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 Ambala Cant branch

Once you have an account at Shivalik Small Finance Bank Limited – AMBALA CANT, the IFSC SMCB0001040 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 Ambala Cant branch can access most of Shivalik Small Finance Bank Limited'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 SMCB0001040

Online banking and IFSC SMCB0001040

Shivalik Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMBALA CANT branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SMCB0001040 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Ambala Cant branch

The branch is located at GROUND FLOOR 5369 1 PUNJABI MOHALLA AMBALA CANT 133001, which puts it inside Ambala, the broader Ambala Cant district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Shivalik Small Finance Bank Limited Ambala Cant branch” — the verified location pin for IFSC SMCB0001040 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SMCB0001040 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 Shivalik Small Finance Bank Limited – AMBALA CANT:

• The IFSC is exactly SMCB0001040 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Shivalik Small Finance Bank Limited as the bank name and AMBALA CANT 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ambala Cant branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMCB0001040, however, work 24x7.

Verifying IFSC SMCB0001040 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SMCB0001040 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: SMCB0001040 is the IFSC code of Shivalik Small Finance Bank Limited, AMBALA CANT branch, in AMBALA, HARYANA. 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.