IFSC Code of Shivalik Small Finance Bank Limited, Ghaziabad Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Shivalik Small Finance Bank Limited, GHAZIABAD branch in GHAZIABAD. The 11-digit IFSC SMCB0001015 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Shivalik Small Finance Bank Limited at the GHAZIABAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – GHAZIABAD is SMCB0001015. The first four letters SMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001015 map to this branch in GHAZIABAD, UTTAR PRADESH.

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 Ghaziabad branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code SMCB0001015 for all electronic settlement.

Ghaziabad branch overview

Located at 204/370, GROUND FLOOR, OPP NEHRU YUVA KENDRA, ICICI BANK, AMBEDKAR ROAD, GHAZIABAD-201001(U.P), the Ghaziabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SMCB0001015 is required for all interbank electronic transfers routed through this branch.

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 GHAZIABAD of Shivalik Small Finance Bank Limited — its own 11-character IFSC. The code SMCB0001015 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 SMCB0001015 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 SMCB0001015

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 SMCB0001015 across all three.

NEFT to Shivalik Small Finance Bank Limited, GHAZIABAD using IFSC SMCB0001015

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 SMCB0001015, and confirm that the system picks up Shivalik Small Finance Bank Limited – GHAZIABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GHAZIABAD

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's GHAZIABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001015 while initiating the transfer and the credit will appear within minutes.

IMPS to Shivalik Small Finance Bank Limited GHAZIABAD (IFSC SMCB0001015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMCB0001015 in your mobile or internet banking app, and the money is credited to the GHAZIABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ghaziabad

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 SMCB0001015:

• 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 GHAZIABAD is still linked to IFSC SMCB0001015.

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 Shivalik Small Finance Bank Limited's GHAZIABAD branch, the IFSC SMCB0001015 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.

Products and account variants supported

Every account opened at the Ghaziabad branch is mapped to IFSC SMCB0001015 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 SMCB0001015.

Banking services available

The Ghaziabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9560606533.

• 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 SMCB0001015

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 SMCB0001015 and the account number together uniquely identify the Ghaziabad 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 Ghaziabad 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 SMCB0001015 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.

Common mistakes to avoid when using IFSC SMCB0001015

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Shivalik Small Finance Bank Limited – GHAZIABAD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: SMCB0001015.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Ghaziabad branch sits at 204/370, GROUND FLOOR, OPP NEHRU YUVA KENDRA, ICICI BANK, AMBEDKAR ROAD, GHAZIABAD-201001(U.P). If you are travelling from outside Ghaziabad, search for the branch on a maps application using the bank name and locality, or call 9560606533 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 SMCB0001015 and your account number.

Verifying IFSC SMCB0001015 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 SMCB0001015 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9560606533.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ghaziabad 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 SMCB0001015 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMCB0001015 belongs to Shivalik Small Finance Bank Limited's GHAZIABAD branch, located at 204/370, GROUND FLOOR, OPP NEHRU YUVA KENDRA, ICICI BANK, AMBEDKAR ROAD,… in GHAZIABAD, UTTAR 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.