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

Below are the complete branch details for Shree Kadi Nagarik Sahakari Bank Limited, THOL BRANCH branch, located in MEHSANA, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is SKNB0000013. 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 SKNB0000013 for Shree Kadi Nagarik Sahakari Bank Limited – THOL BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Shree Kadi Nagarik Sahakari Bank Limited's THOL BRANCH branch, the IFSC SKNB0000013 breaks down as follows: SKNB identifies the bank, 0 is the reserved character, and 000013 identifies this particular branch.

Bank profile

Shree Kadi Nagarik Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Thol Branch branch — IFSC SKNB0000013 — extends the bank's services to customers in and around Mehsana, Gujarat.

Thol Branch branch overview

Located at NEAR AMBAJI TEMPLE,THOL,KADI 382728, the Thol 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 SKNB0000013 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 THOL BRANCH branch came to be assigned the code SKNB0000013.

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 SKNB0000013, money simply cannot be routed to the THOL BRANCH branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Thol Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SKNB0000013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC SKNB0000013

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 SKNB0000013 across all three.

NEFT to Shree Kadi Nagarik Sahakari Bank Limited, THOL BRANCH using IFSC SKNB0000013

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 SKNB0000013, and confirm that the system picks up Shree Kadi Nagarik Sahakari Bank Limited – THOL BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SKNB0000013

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 – THOL BRANCH, ensure your bank's portal accepts IFSC SKNB0000013 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 – THOL BRANCH, use IMPS. With IFSC SKNB0000013 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 Thol 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 SKNB0000013:

• 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 THOL BRANCH is still linked to IFSC SKNB0000013.

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 SKNB0000013

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 – THOL BRANCH is still mapped to IFSC SKNB0000013. 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 SKNB0000013 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Thol Branch branch is mapped to IFSC SKNB0000013 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 SKNB0000013.

Products and services

Customers walking into the Thol Branch branch can access most of Shree Kadi Nagarik Sahakari 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 SKNB0000013

Digital banking channels

Most day-to-day work that customers used to do at the Thol 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 SKNB0000013 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.

Reaching the branch

The Thol Branch branch sits at NEAR AMBAJI TEMPLE,THOL,KADI 382728. If you are travelling from outside Mehsana, search for the branch on a maps application using the bank name and locality, or call 2764-274155 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SKNB0000013 and your account number.

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 Shree Kadi Nagarik Sahakari Bank Limited – THOL BRANCH:

• The IFSC is exactly SKNB0000013 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Shree Kadi Nagarik Sahakari Bank Limited as the bank name and THOL BRANCH 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.

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 Thol Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SKNB0000013, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SKNB0000013 for Shree Kadi Nagarik Sahakari Bank Limited – THOL 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

Summary

The IFSC code SKNB0000013 belongs to Shree Kadi Nagarik Sahakari Bank Limited's THOL BRANCH branch, located at NEAR AMBAJI TEMPLE,THOL,KADI 382728 in MEHSANA, GUJARAT. 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.