IFSC Code of Shivalik Small Finance Bank Limited, Shahpura Bhopal Branch, Madhya Pradesh

If you are searching for the IFSC code of Shivalik Small Finance Bank Limited, SHAHPURA BHOPAL branch in BHOPAL, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is SMCB0001046. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SHAHPURA BHOPAL branch, and detailed step-by-step guides for using the IFSC SMCB0001046 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 Shivalik Small Finance Bank Limited's SHAHPURA BHOPAL branch, the IFSC SMCB0001046 breaks down as follows: SMCB identifies the bank, 0 is the reserved character, and 001046 identifies this particular branch.

Branch details at a glance

About Shivalik Small Finance Bank Limited

Shivalik Small Finance Bank Limited operates a wide network of branches across India, including the Shahpura Bhopal branch in Bhopal. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SMCB0001046.

Shahpura Bhopal branch overview

Located at TH - 19,E-8,AKASH GANGA COLONY,AURA MALL ROAD,SHAHPURA,BHOPAL.M.P.462039, the Shahpura Bhopal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SMCB0001046 is required for all interbank electronic transfers routed through this branch.

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 SHAHPURA BHOPAL branch came to be assigned the code SMCB0001046.

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 SMCB0001046, money simply cannot be routed to the SHAHPURA BHOPAL branch electronically.

How to transfer money using IFSC SMCB0001046

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 SMCB0001046 across all three.

NEFT to Shivalik Small Finance Bank Limited, SHAHPURA BHOPAL using IFSC SMCB0001046

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 SMCB0001046, and confirm that the system picks up Shivalik Small Finance Bank Limited – SHAHPURA BHOPAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SMCB0001046

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Shivalik Small Finance Bank Limited – SHAHPURA BHOPAL, ensure your bank's portal accepts IFSC SMCB0001046 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Shivalik Small Finance Bank Limited SHAHPURA BHOPAL (IFSC SMCB0001046)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMCB0001046 in your mobile or internet banking app, and the money is credited to the SHAHPURA BHOPAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Shahpura Bhopal

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 SMCB0001046:

• 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 SHAHPURA BHOPAL is still linked to IFSC SMCB0001046.

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.

UPI payments and IFSC SMCB0001046

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Shivalik Small Finance Bank Limited – SHAHPURA BHOPAL is still mapped to IFSC SMCB0001046. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SMCB0001046 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shahpura Bhopal branch is mapped to IFSC SMCB0001046 on the RBI payments network. The branch generally supports the full retail product catalogue of Shivalik Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains SMCB0001046.

Banking services available

The Shahpura Bhopal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8527745400.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC SMCB0001046

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 SMCB0001046 and the account number together uniquely identify the Shahpura Bhopal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Shahpura Bhopal 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 SMCB0001046 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.

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 – SHAHPURA BHOPAL:

• The IFSC is exactly SMCB0001046 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 SHAHPURA BHOPAL 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.

Reaching the branch

The Shahpura Bhopal branch sits at TH - 19,E-8,AKASH GANGA COLONY,AURA MALL ROAD,SHAHPURA,BHOPAL.M.P.462039. If you are travelling from outside Bhopal, search for the branch on a maps application using the bank name and locality, or call 8527745400 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 SMCB0001046 and your account number.

Verifying IFSC SMCB0001046 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 SMCB0001046 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8527745400.
• Visiting the bank's official branch locator page.

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 Shahpura Bhopal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMCB0001046, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMCB0001046 belongs to Shivalik Small Finance Bank Limited's SHAHPURA BHOPAL branch, located at TH - 19,E-8,AKASH GANGA COLONY,AURA MALL ROAD,SHAHPURA,BHOPAL.M.P.462039 in BHOPAL, MADHYA PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.