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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Shivalik Small Finance Bank Limited, MADHO NAGAR branch in SAHARANPUR. The 11-digit IFSC SMCB0001021 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 MADHO NAGAR 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Shivalik Small Finance Bank Limited's MADHO NAGAR branch, the IFSC SMCB0001021 breaks down as follows: SMCB identifies the bank, 0 is the reserved character, and 001021 identifies this particular branch.

About Shivalik Small Finance Bank Limited

Shivalik Small Finance Bank Limited operates a wide network of branches across India, including the Madho Nagar branch in Saharanpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SMCB0001021.

About the Madho Nagar branch

The Madho Nagar branch of Shivalik Small Finance Bank Limited is situated at GROUND FLOOR, 6 BY 6276, NEW MADHO NAGAR, SAHARANPUR UP. 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 SMCB0001021 is used.

Branch details at a glance

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 MADHO NAGAR branch came to be assigned the code SMCB0001021.

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 SMCB0001021, money simply cannot be routed to the MADHO NAGAR branch electronically.

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 SMCB0001021 and the account number together uniquely identify the Madho Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SMCB0001021

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 SMCB0001021 across all three.

How to use IFSC SMCB0001021 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 MADHO 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 SMCB0001021.
4. Confirm the bank name auto-populates as Shivalik Small Finance Bank Limited and the branch as MADHO 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 MADHO NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's MADHO NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001021 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 – MADHO NAGAR, use IMPS. With IFSC SMCB0001021 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 Madho 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 SMCB0001021:

• 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 MADHO NAGAR is still linked to IFSC SMCB0001021.

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 SMCB0001021

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 – MADHO NAGAR is still mapped to IFSC SMCB0001021. 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 SMCB0001021 and the beneficiary's account number to complete the transfer.

Account types you can open at the Madho Nagar branch

Once you have an account at Shivalik Small Finance Bank Limited – MADHO NAGAR, the IFSC SMCB0001021 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 Madho Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9837060380.

• 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 SMCB0001021

Digital banking channels

Most day-to-day work that customers used to do at the Madho 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 SMCB0001021 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.

How to reach the Madho Nagar branch

The branch is located at GROUND FLOOR, 6 BY 6276, NEW MADHO NAGAR, SAHARANPUR UP, which puts it inside Saharanpur, 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 Madho Nagar branch” — the verified location pin for IFSC SMCB0001021 should appear at the top of the results.
2. Confirm the branch is open by calling 9837060380 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 SMCB0001021 and your account number.

Common mistakes to avoid when using IFSC SMCB0001021

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 – MADHO NAGAR, 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: SMCB0001021.
• 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.

Working hours

Branch counters at Madho 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 SMCB0001021 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SMCB0001021 for Shivalik Small Finance Bank Limited – MADHO NAGAR, 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 address & contact

Frequently asked questions

Summary

The IFSC code SMCB0001021 belongs to Shivalik Small Finance Bank Limited's MADHO NAGAR branch, located at GROUND FLOOR, 6 BY 6276, NEW MADHO NAGAR, SAHARANPUR UP in SAHARANPUR, 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.