IFSC Code of Sumitomo Mitsui Banking Corporation, Bengaluru Branch Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Sumitomo Mitsui Banking Corporation, BENGALURU BRANCH branch in BENGALURU. The 11-digit IFSC SMBC0000004 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Sumitomo Mitsui Banking Corporation at the BENGALURU BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, SMBC0000004 is the IFSC of Sumitomo Mitsui Banking Corporation's BENGALURU BRANCH branch. The format is fixed: SMBC = bank code, 0 = reserved, 000004 = branch identifier.

About the bank

Sumitomo Mitsui Banking Corporation serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bengaluru Branch branch in Bengaluru, Karnataka is part of this network and uses the IFSC code SMBC0000004 for all electronic settlement.

Branch details at a glance

Bengaluru Branch branch overview

Located at SUMITOMO MITSUI BANKING CORPORATION, UNIT-B-1011, 10TH FLOOR, TOWER-B, SIGNATURE TOWERS, BRIGADE GOLDEN TRIANGLE, OLD MADRAS ROAD, KATTAMANALLUR GATE FLYOVER, BENGALURU, KARNATAKA - 560049, the Bengaluru 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 SMBC0000004 is required for all interbank electronic transfers routed through this branch.

Why every Sumitomo Mitsui Banking Corporation 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 BENGALURU BRANCH of Sumitomo Mitsui Banking Corporation — its own 11-character IFSC. The code SMBC0000004 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 SMBC0000004 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 Bengaluru Branch branch is mapped to IFSC SMBC0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of Sumitomo Mitsui Banking Corporation, 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 SMBC0000004.

Banking services available

The Bengaluru Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-43945100.

• 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 SMBC0000004

How to transfer money using IFSC SMBC0000004

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 SMBC0000004 across all three.

NEFT to Sumitomo Mitsui Banking Corporation, BENGALURU BRANCH using IFSC SMBC0000004

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 SMBC0000004, and confirm that the system picks up Sumitomo Mitsui Banking Corporation – BENGALURU BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SMBC0000004

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 Sumitomo Mitsui Banking Corporation – BENGALURU BRANCH, ensure your bank's portal accepts IFSC SMBC0000004 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Sumitomo Mitsui Banking Corporation BENGALURU BRANCH (IFSC SMBC0000004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SMBC0000004 in your mobile or internet banking app, and the money is credited to the BENGALURU BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bengaluru 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 SMBC0000004:

• 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 BENGALURU BRANCH is still linked to IFSC SMBC0000004.

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 SMBC0000004

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 Sumitomo Mitsui Banking Corporation – BENGALURU BRANCH is still mapped to IFSC SMBC0000004. 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 SMBC0000004 and the beneficiary's account number to complete the transfer.

Online banking and IFSC SMBC0000004

Sumitomo Mitsui Banking Corporation customers can register for net banking and the bank's official mobile app once their account at the BENGALURU BRANCH 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 SMBC0000004 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 & cheque-truncation details

Cheques drawn on the Bengaluru Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SMBC0000004 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 Sumitomo Mitsui Banking Corporation – BENGALURU BRANCH:

• The IFSC is exactly SMBC0000004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Sumitomo Mitsui Banking Corporation as the bank name and BENGALURU 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.

How to reach the Bengaluru Branch branch

The branch is located at SUMITOMO MITSUI BANKING CORPORATION, UNIT-B-1011, 10TH FLOOR, TOWER-B, SIGNATURE TOWERS, BRIGADE GOLDEN TRIANGLE, OLD MADRAS ROAD, KATTAMANALLUR GATE FLYOVER, BENGALURU, KARNATAKA - 560049, which puts it inside Bengaluru, the broader Bengaluru district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Sumitomo Mitsui Banking Corporation Bengaluru Branch branch” — the verified location pin for IFSC SMBC0000004 should appear at the top of the results.
2. Confirm the branch is open by calling 80-43945100 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 SMBC0000004 and your account number.

Verifying IFSC SMBC0000004 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 SMBC0000004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-43945100.
• 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 Bengaluru Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SMBC0000004, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SMBC0000004 is the IFSC code of Sumitomo Mitsui Banking Corporation, BENGALURU BRANCH branch, in BENGALURU, KARNATAKA. 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.