IFSC Code of The Rajasthan State Cooperative Bank Limited, S M K Sahakari Bank Ltd Branch, Rajasthan

If you are searching for the IFSC code of The Rajasthan State Cooperative Bank Limited, S M K SAHAKARI BANK LTD branch in KARAULI, RAJASTHAN, this page has every detail you need. The verified IFSC code for this branch is RSCB0030013. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the S M K SAHAKARI BANK LTD branch, and detailed step-by-step guides for using the IFSC RSCB0030013 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 The Rajasthan State Cooperative Bank Limited's S M K SAHAKARI BANK LTD branch, the IFSC RSCB0030013 breaks down as follows: RSCB identifies the bank, 0 is the reserved character, and 030013 identifies this particular branch.

Branch details at a glance

About the bank

The Rajasthan State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its S M K Sahakari Bank Ltd branch in Karauli, Rajasthan is part of this network and uses the IFSC code RSCB0030013 for all electronic settlement.

S M K Sahakari Bank Ltd branch overview

Located at BRANCHE MANDARAYAL DISTT.KARAULI 322421, the S M K Sahakari Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC RSCB0030013 is required for all interbank electronic transfers routed through this branch.

Why every The Rajasthan State Cooperative Bank Limited 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 S M K SAHAKARI BANK LTD of The Rajasthan State Cooperative Bank Limited — its own 11-character IFSC. The code RSCB0030013 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 RSCB0030013 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC RSCB0030013

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 RSCB0030013 across all three.

How to use IFSC RSCB0030013 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Rajasthan State Cooperative Bank Limited's S M K SAHAKARI BANK LTD 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 RSCB0030013.
4. Confirm the bank name auto-populates as The Rajasthan State Cooperative Bank Limited and the branch as S M K SAHAKARI BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC RSCB0030013

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 The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC RSCB0030013 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Rajasthan State Cooperative Bank Limited S M K SAHAKARI BANK LTD (IFSC RSCB0030013)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RSCB0030013 in your mobile or internet banking app, and the money is credited to the S M K SAHAKARI BANK LTD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC RSCB0030013 for The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the S M K Sahakari Bank Ltd branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC RSCB0030013

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 The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD is still mapped to IFSC RSCB0030013. 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 RSCB0030013 and the beneficiary's account number to complete the transfer.

Account types you can open at the S M K Sahakari Bank Ltd branch

Once you have an account at The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD, the IFSC RSCB0030013 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 S M K Sahakari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9784942280.

• 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 RSCB0030013

MICR & cheque-truncation details

Cheques drawn on the S M K Sahakari Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RSCB0030013 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 S M K Sahakari Bank Ltd 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 RSCB0030013 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 The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD:

• The IFSC is exactly RSCB0030013 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Rajasthan State Cooperative Bank Limited as the bank name and S M K SAHAKARI BANK LTD 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 S M K Sahakari Bank Ltd branch

The branch is located at BRANCHE MANDARAYAL DISTT.KARAULI 322421, which puts it inside Karauli, the broader Karauli district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “The Rajasthan State Cooperative Bank Limited S M K Sahakari Bank Ltd branch” — the verified location pin for IFSC RSCB0030013 should appear at the top of the results.
2. Confirm the branch is open by calling 9784942280 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 RSCB0030013 and your account number.

Verifying IFSC RSCB0030013 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 RSCB0030013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9784942280.
• 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 S M K Sahakari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RSCB0030013, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: RSCB0030013 is the IFSC code of The Rajasthan State Cooperative Bank Limited, S M K SAHAKARI BANK LTD branch, in KARAULI, RAJASTHAN. 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.