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

If you are searching for the IFSC code of Shivalik Small Finance Bank Limited, GOMTI NAGAR branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is SMCB0001047. 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 GOMTI NAGAR branch, and detailed step-by-step guides for using the IFSC SMCB0001047 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.

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 – GOMTI NAGAR is SMCB0001047. The first four letters SMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001047 map to this branch in LUCKNOW, 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 Gomti Nagar branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code SMCB0001047 for all electronic settlement.

About this branch

The branch is located at 2/60, GROUND FLOOR,VIRAM KHAND-2,NEAR PATRAKARPURAM CHOURAHYA,GOMTI NAGAR,LUCKNOW-226010. It serves the Lucknow region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Shivalik Small Finance Bank Limited. The IFSC SMCB0001047 is used to identify this branch on the RBI payments network.

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 GOMTI NAGAR branch came to be assigned the code SMCB0001047.

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 SMCB0001047, money simply cannot be routed to the GOMTI NAGAR branch electronically.

How to transfer money using IFSC SMCB0001047

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 SMCB0001047 across all three.

How to use IFSC SMCB0001047 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Shivalik Small Finance Bank Limited's GOMTI NAGAR 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 SMCB0001047.
4. Confirm the bank name auto-populates as Shivalik Small Finance Bank Limited and the branch as GOMTI NAGAR.
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 GOMTI NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's GOMTI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001047 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Shivalik Small Finance Bank Limited – GOMTI NAGAR, use IMPS. With IFSC SMCB0001047 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 Gomti Nagar

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 SMCB0001047:

• 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 GOMTI NAGAR is still linked to IFSC SMCB0001047.

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 SMCB0001047

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 – GOMTI NAGAR is still mapped to IFSC SMCB0001047. 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 SMCB0001047 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gomti Nagar branch is mapped to IFSC SMCB0001047 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 SMCB0001047.

Products and services

Customers walking into the Gomti 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 SMCB0001047

MICR & cheque-truncation details

Cheques drawn on the Gomti Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SMCB0001047 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Gomti Nagar 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 SMCB0001047 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 – GOMTI NAGAR:

• The IFSC is exactly SMCB0001047 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 GOMTI 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.

Reaching the branch

The Gomti Nagar branch sits at 2/60, GROUND FLOOR,VIRAM KHAND-2,NEAR PATRAKARPURAM CHOURAHYA,GOMTI NAGAR,LUCKNOW-226010. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 8130041452 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 SMCB0001047 and your account number.

Verifying IFSC SMCB0001047 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 SMCB0001047 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8130041452.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Gomti 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 SMCB0001047 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMCB0001047 belongs to Shivalik Small Finance Bank Limited's GOMTI NAGAR branch, located at 2/60, GROUND FLOOR,VIRAM KHAND-2,NEAR PATRAKARPURAM CHOURAHYA,GOMTI… in LUCKNOW, 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.