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

Use this page as a one-stop reference for everything related to Smriti Nagrik Sahakari Bank Maryadit's JAORA branch in JAORA, MADHYA PRADESH. The branch's IFSC code SMNB0000014 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 Smriti Nagrik Sahakari Bank Maryadit – JAORA is SMNB0000014. The first four letters SMNB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000014 map to this branch in JAORA, MADHYA PRADESH.

Branch details at a glance

Bank profile

Smriti Nagrik Sahakari Bank Maryadit is among the recognised banks listed on the Reserve Bank of India's payments network. The Jaora branch — IFSC SMNB0000014 — extends the bank's services to customers in and around Jaora, Madhya Pradesh.

Jaora branch overview

Located at SURVEYNO.242/1,RAKBA0.0012,MHOW NEEMUCH ROAD,GRAM - BANNAKHEDI,TEHSIL JAORA,DIST RATLAM,MADHYA PRADESH 457226, the Jaora branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SMNB0000014 is required for all interbank electronic transfers routed through this branch.

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 Smriti Nagrik Sahakari Bank Maryadit's JAORA branch came to be assigned the code SMNB0000014.

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 SMNB0000014, money simply cannot be routed to the JAORA branch electronically.

How to transfer money using IFSC SMNB0000014

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 SMNB0000014 across all three.

How to use IFSC SMNB0000014 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Smriti Nagrik Sahakari Bank Maryadit's JAORA 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 SMNB0000014.
4. Confirm the bank name auto-populates as Smriti Nagrik Sahakari Bank Maryadit and the branch as JAORA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to JAORA

If you need to transfer ₹2 lakh or more in one go to an account at Smriti Nagrik Sahakari Bank Maryadit's JAORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SMNB0000014 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Smriti Nagrik Sahakari Bank Maryadit – JAORA, use IMPS. With IFSC SMNB0000014 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 Jaora

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 SMNB0000014:

• 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 JAORA is still linked to IFSC SMNB0000014.

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 SMNB0000014

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 – JAORA is still mapped to IFSC SMNB0000014. 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 SMNB0000014 and the beneficiary's account number to complete the transfer.

Account types you can open at the Jaora branch

Once you have an account at Smriti Nagrik Sahakari Bank Maryadit – JAORA, the IFSC SMNB0000014 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.

Products and services

Customers walking into the Jaora branch can access most of Smriti Nagrik Sahakari Bank Maryadit'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 SMNB0000014

MICR & cheque-truncation details

Cheques drawn on the Jaora branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SMNB0000014 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Jaora 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 SMNB0000014 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.

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 Smriti Nagrik Sahakari Bank Maryadit – JAORA:

• The IFSC is exactly SMNB0000014 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Smriti Nagrik Sahakari Bank Maryadit as the bank name and JAORA 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.

Reaching the branch

The Jaora branch sits at SURVEYNO.242/1,RAKBA0.0012,MHOW NEEMUCH ROAD,GRAM - BANNAKHEDI,TEHSIL JAORA,DIST RATLAM,MADHYA PRADESH 457226. If you are travelling from outside Jaora, search for the branch on a maps application using the bank name and locality, or call 7429-405629 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 SMNB0000014 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SMNB0000014 for Smriti Nagrik Sahakari Bank Maryadit – JAORA, 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 Jaora 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 SMNB0000014 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMNB0000014 belongs to Smriti Nagrik Sahakari Bank Maryadit's JAORA branch, located at SURVEYNO.242/1,RAKBA0.0012,MHOW NEEMUCH ROAD,GRAM - BANNAKHEDI,TEHSIL… in JAORA, 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.