IFSC Code of Smriti Nagrik Sahakari Bank Maryadit, Dalouda Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Smriti Nagrik Sahakari Bank Maryadit's DALOUDA branch in DALOUDA, MADHYA PRADESH. The branch's IFSC code SMNB0000004 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, SMNB0000004 is the IFSC of Smriti Nagrik Sahakari Bank Maryadit's DALOUDA branch. The format is fixed: SMNB = bank code, 0 = reserved, 000004 = branch identifier.

Bank profile

Smriti Nagrik Sahakari Bank Maryadit is among the recognised banks listed on the Reserve Bank of India's payments network. The Dalouda branch — IFSC SMNB0000004 — extends the bank's services to customers in and around Dalouda, Madhya Pradesh.

Branch details at a glance

About the Dalouda branch

The Dalouda branch of Smriti Nagrik Sahakari Bank Maryadit is situated at MHOW NEEMUCH ROAD. 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 SMNB0000004 is used.

Why every Smriti Nagrik Sahakari Bank Maryadit branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including DALOUDA of Smriti Nagrik Sahakari Bank Maryadit — its own 11-character IFSC. The code SMNB0000004 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SMNB0000004 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Dalouda branch is mapped to IFSC SMNB0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of Smriti Nagrik Sahakari Bank Maryadit, 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 SMNB0000004.

Banking services available

The Dalouda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7422-261967.

• 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 SMNB0000004

How to transfer money using IFSC SMNB0000004

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 SMNB0000004 across all three.

NEFT to Smriti Nagrik Sahakari Bank Maryadit, DALOUDA using IFSC SMNB0000004

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 SMNB0000004, and confirm that the system picks up Smriti Nagrik Sahakari Bank Maryadit – DALOUDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SMNB0000004

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 Smriti Nagrik Sahakari Bank Maryadit – DALOUDA, ensure your bank's portal accepts IFSC SMNB0000004 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Smriti Nagrik Sahakari Bank Maryadit DALOUDA (IFSC SMNB0000004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMNB0000004 in your mobile or internet banking app, and the money is credited to the DALOUDA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Dalouda

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 SMNB0000004:

• 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 DALOUDA is still linked to IFSC SMNB0000004.

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 SMNB0000004

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 Smriti Nagrik Sahakari Bank Maryadit – DALOUDA is still mapped to IFSC SMNB0000004. 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 SMNB0000004 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SMNB0000004

Smriti Nagrik Sahakari Bank Maryadit customers can register for net banking and the bank's official mobile app once their account at the DALOUDA 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 SMNB0000004 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 Smriti Nagrik Sahakari Bank Maryadit carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SMNB0000004 and the account number together uniquely identify the Dalouda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC SMNB0000004

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 Smriti Nagrik Sahakari Bank Maryadit – DALOUDA, 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: SMNB0000004.
• 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.

Reaching the branch

The Dalouda branch sits at MHOW NEEMUCH ROAD. If you are travelling from outside Dalouda, search for the branch on a maps application using the bank name and locality, or call 7422-261967 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 SMNB0000004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SMNB0000004 for Smriti Nagrik Sahakari Bank Maryadit – DALOUDA, 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.

Working hours

Branch counters at Dalouda 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 SMNB0000004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMNB0000004 belongs to Smriti Nagrik Sahakari Bank Maryadit's DALOUDA branch, located at MHOW NEEMUCH ROAD in DALOUDA, MADHYA 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.