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

Use this page as a one-stop reference for everything related to Shivalik Small Finance Bank Limited's MAWANA branch in MAWANA, UTTAR PRADESH. The branch's IFSC code SMCB0001028 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.

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 – MAWANA is SMCB0001028. The first four letters SMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001028 map to this branch in MAWANA, UTTAR PRADESH.

Branch details at a glance

Bank profile

Shivalik Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mawana branch — IFSC SMCB0001028 — extends the bank's services to customers in and around Mawana, Uttar Pradesh.

About this branch

The branch is located at 2422-2423, HASTINAPUR ROAD, MAWANA, MEERUT-250401. It serves the Mawana 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 SMCB0001028 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 MAWANA branch came to be assigned the code SMCB0001028.

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 SMCB0001028, money simply cannot be routed to the MAWANA branch electronically.

How to transfer money using IFSC SMCB0001028

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 SMCB0001028 across all three.

NEFT to Shivalik Small Finance Bank Limited, MAWANA using IFSC SMCB0001028

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 SMCB0001028, and confirm that the system picks up Shivalik Small Finance Bank Limited – MAWANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SMCB0001028

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 – MAWANA, ensure your bank's portal accepts IFSC SMCB0001028 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Shivalik Small Finance Bank Limited MAWANA (IFSC SMCB0001028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMCB0001028 in your mobile or internet banking app, and the money is credited to the MAWANA branch account within seconds.

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

All three modes accept the IFSC SMCB0001028 for Shivalik Small Finance Bank Limited – MAWANA, 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 Mawana 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 MAWANA branch, the IFSC SMCB0001028 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 Mawana branch

Once you have an account at Shivalik Small Finance Bank Limited – MAWANA, the IFSC SMCB0001028 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.

Banking services available

The Mawana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 SMCB0001028

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 SMCB0001028 and the account number together uniquely identify the Mawana 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 Mawana 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 SMCB0001028 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 – MAWANA:

• The IFSC is exactly SMCB0001028 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 MAWANA 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 Mawana branch

The branch is located at 2422-2423, HASTINAPUR ROAD, MAWANA, MEERUT-250401, which puts it inside Mawana, the broader Meerut district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Shivalik Small Finance Bank Limited Mawana branch” — the verified location pin for IFSC SMCB0001028 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 SMCB0001028 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SMCB0001028 for Shivalik Small Finance Bank Limited – MAWANA, 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.

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 Mawana branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMCB0001028, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMCB0001028 belongs to Shivalik Small Finance Bank Limited's MAWANA branch, located at 2422-2423, HASTINAPUR ROAD, MAWANA, MEERUT-250401 in MAWANA, 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.