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

Use this page as a one-stop reference for everything related to Shivalik Small Finance Bank Limited's SARSAWA branch in SARSAWA, UTTAR PRADESH. The branch's IFSC code SMCB0001012 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 – SARSAWA is SMCB0001012. The first four letters SMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001012 map to this branch in SARSAWA, UTTAR PRADESH.

Bank profile

Shivalik Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sarsawa branch — IFSC SMCB0001012 — extends the bank's services to customers in and around Sarsawa, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at 51AND53, AMBALA ROAD, SARSAWA, DISTRICT SAHARANPUR UP. It serves the Sarsawa 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 SMCB0001012 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 SARSAWA branch came to be assigned the code SMCB0001012.

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 SMCB0001012, money simply cannot be routed to the SARSAWA branch electronically.

Products and account variants supported

Every account opened at the Sarsawa branch is mapped to IFSC SMCB0001012 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 SMCB0001012.

Products and services

Customers walking into the Sarsawa 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 SMCB0001012

How to transfer money using IFSC SMCB0001012

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 SMCB0001012 across all three.

NEFT to Shivalik Small Finance Bank Limited, SARSAWA using IFSC SMCB0001012

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 SMCB0001012, and confirm that the system picks up Shivalik Small Finance Bank Limited – SARSAWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SARSAWA

If you need to transfer ₹2 lakh or more in one go to an account at Shivalik Small Finance Bank Limited's SARSAWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMCB0001012 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 – SARSAWA, use IMPS. With IFSC SMCB0001012 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 Sarsawa

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 SMCB0001012:

• 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 SARSAWA is still linked to IFSC SMCB0001012.

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 SMCB0001012

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 – SARSAWA is still mapped to IFSC SMCB0001012. 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 SMCB0001012 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SMCB0001012

Shivalik Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SARSAWA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SMCB0001012 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 SMCB0001012 and the account number together uniquely identify the Sarsawa 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 – SARSAWA:

• The IFSC is exactly SMCB0001012 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 SARSAWA 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 Sarsawa branch

The branch is located at 51AND53, AMBALA ROAD, SARSAWA, DISTRICT SAHARANPUR UP, which puts it inside Sarsawa, 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 Sarsawa branch” — the verified location pin for IFSC SMCB0001012 should appear at the top of the results.
2. Confirm the branch is open by calling 246125 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 SMCB0001012 and your account number.

Verifying IFSC SMCB0001012 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 SMCB0001012 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 246125.
• 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 Sarsawa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMCB0001012, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SMCB0001012 is the IFSC code of Shivalik Small Finance Bank Limited, SARSAWA branch, in SARSAWA, UTTAR PRADESH. 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.