IFSC Code of Shivalik Small Finance Bank Limited, Roorkee Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Shivalik Small Finance Bank Limited's ROORKEE branch in ROORKEE, UTTARAKHAND. The branch's IFSC code SMCB0001034 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, SMCB0001034 is the IFSC of Shivalik Small Finance Bank Limited's ROORKEE branch. The format is fixed: SMCB = bank code, 0 = reserved, 001034 = branch identifier.

Bank profile

Shivalik Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Roorkee branch — IFSC SMCB0001034 — extends the bank's services to customers in and around Roorkee, Uttarakhand.

Branch details at a glance

About the Roorkee branch

The Roorkee branch of Shivalik Small Finance Bank Limited is situated at GROUND FLOOR,NEAR RUCHI DENTAL CLINIC,MALVIYA TOWER,MALVIYA CHOWK,GANESHPUR,ROORKEE. 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 SMCB0001034 is used.

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 ROORKEE branch came to be assigned the code SMCB0001034.

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 SMCB0001034, money simply cannot be routed to the ROORKEE branch electronically.

Products and account variants supported

Every account opened at the Roorkee branch is mapped to IFSC SMCB0001034 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 SMCB0001034.

Products and services

Customers walking into the Roorkee 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 SMCB0001034

How to transfer money using IFSC SMCB0001034

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 SMCB0001034 across all three.

How to use IFSC SMCB0001034 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 ROORKEE 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 SMCB0001034.
4. Confirm the bank name auto-populates as Shivalik Small Finance Bank Limited and the branch as ROORKEE.
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 ROORKEE

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's ROORKEE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001034 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 – ROORKEE, use IMPS. With IFSC SMCB0001034 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 SMCB0001034 for Shivalik Small Finance Bank Limited – ROORKEE, 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 Roorkee 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.

UPI payments and IFSC SMCB0001034

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 – ROORKEE is still mapped to IFSC SMCB0001034. 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 SMCB0001034 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Roorkee 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 SMCB0001034 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.

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 SMCB0001034 and the account number together uniquely identify the Roorkee branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ROORKEE:

• The IFSC is exactly SMCB0001034 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 ROORKEE 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 Roorkee branch

The branch is located at GROUND FLOOR,NEAR RUCHI DENTAL CLINIC,MALVIYA TOWER,MALVIYA CHOWK,GANESHPUR,ROORKEE, which puts it inside Roorkee, the broader Roorkee district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Shivalik Small Finance Bank Limited Roorkee branch” — the verified location pin for IFSC SMCB0001034 should appear at the top of the results.
2. Confirm the branch is open by calling 9634190508 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 SMCB0001034 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SMCB0001034 for Shivalik Small Finance Bank Limited – ROORKEE, 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 Roorkee 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 SMCB0001034 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SMCB0001034 is the IFSC code of Shivalik Small Finance Bank Limited, ROORKEE branch, in ROORKEE, UTTARAKHAND. 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.