IFSC Code of Shree Kadi Nagarik Sahakari Bank Limited, Ctm Branch Branch, Gujarat

Below are the complete branch details for Shree Kadi Nagarik Sahakari Bank Limited, CTM BRANCH branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SKNB0000012. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case SKNB0000012 for Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH is SKNB0000012. The first four letters SKNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000012 map to this branch in AHMEDABAD, GUJARAT.

About the bank

Shree Kadi Nagarik Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ctm Branch branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code SKNB0000012 for all electronic settlement.

About this branch

The branch is located at OPP AMBIKA HOTEL,BRTS BUS STOP CTM CROSS ROAD,AHMEDABAD 380026. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Shree Kadi Nagarik Sahakari Bank Limited. The IFSC SKNB0000012 is used to identify this branch on the RBI payments network.

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 Shree Kadi Nagarik Sahakari Bank Limited's CTM BRANCH branch came to be assigned the code SKNB0000012.

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 SKNB0000012, money simply cannot be routed to the CTM BRANCH branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Shree Kadi Nagarik Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SKNB0000012 and the account number together uniquely identify the Ctm Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC SKNB0000012

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 SKNB0000012 across all three.

NEFT to Shree Kadi Nagarik Sahakari Bank Limited, CTM BRANCH using IFSC SKNB0000012

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 SKNB0000012, and confirm that the system picks up Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SKNB0000012

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 Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH, ensure your bank's portal accepts IFSC SKNB0000012 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Shree Kadi Nagarik Sahakari Bank Limited CTM BRANCH (IFSC SKNB0000012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SKNB0000012 in your mobile or internet banking app, and the money is credited to the CTM BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ctm Branch

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 SKNB0000012:

• 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 CTM BRANCH is still linked to IFSC SKNB0000012.

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 SKNB0000012

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 Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH is still mapped to IFSC SKNB0000012. 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 SKNB0000012 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ctm Branch branch is mapped to IFSC SKNB0000012 on the RBI payments network. The branch generally supports the full retail product catalogue of Shree Kadi Nagarik Sahakari 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 SKNB0000012.

Banking services available

The Ctm Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-25856008.

• 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 SKNB0000012

Online banking and IFSC SKNB0000012

Shree Kadi Nagarik Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CTM BRANCH 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 SKNB0000012 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.

How to reach the Ctm Branch branch

The branch is located at OPP AMBIKA HOTEL,BRTS BUS STOP CTM CROSS ROAD,AHMEDABAD 380026, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Shree Kadi Nagarik Sahakari Bank Limited Ctm Branch branch” — the verified location pin for IFSC SKNB0000012 should appear at the top of the results.
2. Confirm the branch is open by calling 79-25856008 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 SKNB0000012 and your account number.

Common mistakes to avoid when using IFSC SKNB0000012

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 Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH, 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: SKNB0000012.
• 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.

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 Ctm Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SKNB0000012, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SKNB0000012 for Shree Kadi Nagarik Sahakari Bank Limited – CTM BRANCH, 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

Final notes

To recap: SKNB0000012 is the IFSC code of Shree Kadi Nagarik Sahakari Bank Limited, CTM BRANCH branch, in AHMEDABAD, GUJARAT. 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.