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

Below are the complete branch details for Shree Kadi Nagarik Sahakari Bank Limited, KALOL BRANCH branch, located in KALOL, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SKNB0000008. 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 SKNB0000008 for Shree Kadi Nagarik Sahakari Bank Limited – KALOL 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 – KALOL BRANCH is SKNB0000008. The first four letters SKNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000008 map to this branch in KALOL, GUJARAT.

About Shree Kadi Nagarik Sahakari Bank Limited

Shree Kadi Nagarik Sahakari Bank Limited operates a wide network of branches across India, including the Kalol Branch branch in Kalol. 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, SKNB0000008.

Kalol Branch branch overview

Located at SHIVANAND ARCADE,OPP BORISANA ROAD,PANCHVATI,KALOL 382715, the Kalol Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SKNB0000008 is required for all interbank electronic transfers routed through this branch.

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 KALOL BRANCH branch came to be assigned the code SKNB0000008.

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 SKNB0000008, money simply cannot be routed to the KALOL 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 SKNB0000008 and the account number together uniquely identify the Kalol 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 SKNB0000008

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 SKNB0000008 across all three.

How to use IFSC SKNB0000008 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Shree Kadi Nagarik Sahakari Bank Limited's KALOL BRANCH 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 SKNB0000008.
4. Confirm the bank name auto-populates as Shree Kadi Nagarik Sahakari Bank Limited and the branch as KALOL BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC SKNB0000008

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 – KALOL BRANCH, ensure your bank's portal accepts IFSC SKNB0000008 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Shree Kadi Nagarik Sahakari Bank Limited – KALOL BRANCH, use IMPS. With IFSC SKNB0000008 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 SKNB0000008 for Shree Kadi Nagarik Sahakari Bank Limited – KALOL BRANCH, 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 Kalol Branch 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 Shree Kadi Nagarik Sahakari Bank Limited's KALOL BRANCH branch, the IFSC SKNB0000008 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.

Account types you can open at the Kalol Branch branch

Once you have an account at Shree Kadi Nagarik Sahakari Bank Limited – KALOL BRANCH, the IFSC SKNB0000008 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 Kalol Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2764-250250.

• 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 SKNB0000008

Digital banking channels

Most day-to-day work that customers used to do at the Kalol Branch 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 SKNB0000008 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 Kalol Branch branch

The branch is located at SHIVANAND ARCADE,OPP BORISANA ROAD,PANCHVATI,KALOL 382715, which puts it inside Kalol, the broader Gandhinagar 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 Kalol Branch branch” — the verified location pin for IFSC SKNB0000008 should appear at the top of the results.
2. Confirm the branch is open by calling 2764-250250 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 SKNB0000008 and your account number.

Common mistakes to avoid when using IFSC SKNB0000008

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 – KALOL 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: SKNB0000008.
• 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 Kalol Branch 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 SKNB0000008 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SKNB0000008 for Shree Kadi Nagarik Sahakari Bank Limited – KALOL 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: SKNB0000008 is the IFSC code of Shree Kadi Nagarik Sahakari Bank Limited, KALOL BRANCH branch, in KALOL, 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.