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

If you are searching for the IFSC code of Shivalik Small Finance Bank Limited, NAGAL branch in NAGAL, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is SMCB0001011. 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 NAGAL branch, and detailed step-by-step guides for using the IFSC SMCB0001011 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 – NAGAL is SMCB0001011. The first four letters SMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001011 map to this branch in NAGAL, 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 Nagal branch in Nagal, Uttar Pradesh is part of this network and uses the IFSC code SMCB0001011 for all electronic settlement.

About this branch

The branch is located at SAHARANPUR MUZAFFARNAGAR G. T. ROAD, NAGAL 247551, DISTRICT SAHARANPUR. It serves the Nagal 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 SMCB0001011 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 NAGAL branch came to be assigned the code SMCB0001011.

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 SMCB0001011, money simply cannot be routed to the NAGAL branch electronically.

How to transfer money using IFSC SMCB0001011

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 SMCB0001011 across all three.

NEFT to Shivalik Small Finance Bank Limited, NAGAL using IFSC SMCB0001011

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 SMCB0001011, and confirm that the system picks up Shivalik Small Finance Bank Limited – NAGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAGAL

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's NAGAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001011 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 – NAGAL, use IMPS. With IFSC SMCB0001011 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC SMCB0001011 for Shivalik Small Finance Bank Limited – NAGAL, 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 Nagal 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 NAGAL branch, the IFSC SMCB0001011 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 Nagal branch is mapped to IFSC SMCB0001011 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 SMCB0001011.

Products and services

Customers walking into the Nagal 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 SMCB0001011

MICR & cheque-truncation details

Cheques drawn on the Nagal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SMCB0001011 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 Nagal 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 SMCB0001011 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 – NAGAL:

• The IFSC is exactly SMCB0001011 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 NAGAL 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 Nagal branch

The branch is located at SAHARANPUR MUZAFFARNAGAR G. T. ROAD, NAGAL 247551, DISTRICT SAHARANPUR, which puts it inside Nagal, the broader Saharanpur 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 Nagal branch” — the verified location pin for IFSC SMCB0001011 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 SMCB0001011 and your account number.

Verifying IFSC SMCB0001011 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 SMCB0001011 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Nagal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMCB0001011, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMCB0001011 belongs to Shivalik Small Finance Bank Limited's NAGAL branch, located at SAHARANPUR MUZAFFARNAGAR G. T. ROAD, NAGAL 247551, DISTRICT SAHARANPUR in NAGAL, 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.