IFSC Code of Shivalik Small Finance Bank Limited, Gandhi Nagar Branch, Delhi

Use this page as a one-stop reference for everything related to Shivalik Small Finance Bank Limited's GANDHI NAGAR branch in DELHI, DELHI. The branch's IFSC code SMCB0001035 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SMCB0001035 is the IFSC of Shivalik Small Finance Bank Limited's GANDHI NAGAR branch. The format is fixed: SMCB = bank code, 0 = reserved, 001035 = branch identifier.

Branch details at a glance

About the bank

Shivalik Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gandhi Nagar branch in Delhi, Delhi is part of this network and uses the IFSC code SMCB0001035 for all electronic settlement.

About the Gandhi Nagar branch

The Gandhi Nagar branch of Shivalik Small Finance Bank Limited is situated at GROUND FLOOR-830,MAIN ROAD,GANDHI NAGAR,EAST DELHI. 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 SMCB0001035 is used.

Why every Shivalik Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GANDHI NAGAR of Shivalik Small Finance Bank Limited — its own 11-character IFSC. The code SMCB0001035 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SMCB0001035 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC SMCB0001035

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 SMCB0001035 across all three.

NEFT to Shivalik Small Finance Bank Limited, GANDHI NAGAR using IFSC SMCB0001035

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 SMCB0001035, and confirm that the system picks up Shivalik Small Finance Bank Limited – GANDHI NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANDHI NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's GANDHI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001035 while initiating the transfer and the credit will appear within minutes.

IMPS to Shivalik Small Finance Bank Limited GANDHI NAGAR (IFSC SMCB0001035)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMCB0001035 in your mobile or internet banking app, and the money is credited to the GANDHI NAGAR branch account within seconds.

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

All three modes accept the IFSC SMCB0001035 for Shivalik Small Finance Bank Limited – GANDHI NAGAR, 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 Gandhi Nagar 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 GANDHI NAGAR branch, the IFSC SMCB0001035 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 Gandhi Nagar branch

Once you have an account at Shivalik Small Finance Bank Limited – GANDHI NAGAR, the IFSC SMCB0001035 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 Gandhi Nagar 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 SMCB0001035

MICR & cheque-truncation details

Cheques drawn on the Gandhi Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SMCB0001035 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SMCB0001035

Shivalik Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GANDHI NAGAR 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 SMCB0001035 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.

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 – GANDHI NAGAR:

• The IFSC is exactly SMCB0001035 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 GANDHI NAGAR 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.

How to reach the Gandhi Nagar branch

The branch is located at GROUND FLOOR-830,MAIN ROAD,GANDHI NAGAR,EAST DELHI, which puts it inside Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Shivalik Small Finance Bank Limited Gandhi Nagar branch” — the verified location pin for IFSC SMCB0001035 should appear at the top of the results.
2. Confirm the branch is open by calling 9958500463 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 SMCB0001035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SMCB0001035 for Shivalik Small Finance Bank Limited – GANDHI NAGAR, 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.

Working hours

Branch counters at Gandhi Nagar 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 SMCB0001035 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SMCB0001035 is the IFSC code of Shivalik Small Finance Bank Limited, GANDHI NAGAR branch, in DELHI, DELHI. 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.