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

Below are the complete branch details for Smriti Nagrik Sahakari Bank Maryadit, PIPLIYAMANDI branch, located in PIPLIYAMANDI, MADHYA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is SMNB0000003. 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 SMNB0000003 for Smriti Nagrik Sahakari Bank Maryadit – PIPLIYAMANDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SMNB0000003 is the IFSC of Smriti Nagrik Sahakari Bank Maryadit's PIPLIYAMANDI branch. The format is fixed: SMNB = bank code, 0 = reserved, 000003 = 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 Pipliyamandi branch — IFSC SMNB0000003 — extends the bank's services to customers in and around Pipliyamandi, Madhya Pradesh.

Branch details at a glance

Pipliyamandi branch overview

Located at GANDHI CHOURAHA,MANASA ROAD, the Pipliyamandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC SMNB0000003 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 PIPLIYAMANDI branch came to be assigned the code SMNB0000003.

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 SMNB0000003, money simply cannot be routed to the PIPLIYAMANDI branch electronically.

Account types you can open at the Pipliyamandi branch

Once you have an account at Smriti Nagrik Sahakari Bank Maryadit – PIPLIYAMANDI, the IFSC SMNB0000003 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 Pipliyamandi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7424-241767.

• 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 SMNB0000003

How to transfer money using IFSC SMNB0000003

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 SMNB0000003 across all three.

NEFT to Smriti Nagrik Sahakari Bank Maryadit, PIPLIYAMANDI using IFSC SMNB0000003

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 SMNB0000003, and confirm that the system picks up Smriti Nagrik Sahakari Bank Maryadit – PIPLIYAMANDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SMNB0000003

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 – PIPLIYAMANDI, ensure your bank's portal accepts IFSC SMNB0000003 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Smriti Nagrik Sahakari Bank Maryadit – PIPLIYAMANDI, use IMPS. With IFSC SMNB0000003 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 Pipliyamandi

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 SMNB0000003:

• 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 PIPLIYAMANDI is still linked to IFSC SMNB0000003.

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 SMNB0000003

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 – PIPLIYAMANDI is still mapped to IFSC SMNB0000003. 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 SMNB0000003 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Pipliyamandi 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 SMNB0000003 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.

MICR & cheque-truncation details

Cheques drawn on the Pipliyamandi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SMNB0000003 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – PIPLIYAMANDI:

• The IFSC is exactly SMNB0000003 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 PIPLIYAMANDI 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.

How to reach the Pipliyamandi branch

The branch is located at GANDHI CHOURAHA,MANASA ROAD, which puts it inside Pipliyamandi, the broader Pipliyamandi district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Smriti Nagrik Sahakari Bank Maryadit Pipliyamandi branch” — the verified location pin for IFSC SMNB0000003 should appear at the top of the results.
2. Confirm the branch is open by calling 7424-241767 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 SMNB0000003 and your account number.

Verifying IFSC SMNB0000003 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SMNB0000003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7424-241767.
• Visiting the bank's official branch locator page.

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 Pipliyamandi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMNB0000003, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code SMNB0000003 belongs to Smriti Nagrik Sahakari Bank Maryadit's PIPLIYAMANDI branch, located at GANDHI CHOURAHA,MANASA ROAD in PIPLIYAMANDI, 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.