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 RSCB0030014. 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 RSCB0030014 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.

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 The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD is RSCB0030014. The first four letters RSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 030014 map to this branch in KARAULI, RAJASTHAN.

Bank profile

The Rajasthan State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The S M K Sahakari Bank Ltd branch — IFSC RSCB0030014 — extends the bank's services to customers in and around Karauli, Rajasthan.

Branch details at a glance

About the S M K Sahakari Bank Ltd branch

The S M K Sahakari Bank Ltd branch of The Rajasthan State Cooperative Bank Limited is situated at BRANCH SAPOTRA DISTT.KARAULI 322218. 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 RSCB0030014 is used.

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 RSCB0030014 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 RSCB0030014 the same way you would treat your account number — verify it once and save it carefully for future use.

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 RSCB0030014 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 9784942268.

• 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 RSCB0030014

How to transfer money using IFSC RSCB0030014

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 RSCB0030014 across all three.

How to use IFSC RSCB0030014 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 RSCB0030014.
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 RSCB0030014

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 RSCB0030014 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD, use IMPS. With IFSC RSCB0030014 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC RSCB0030014 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 RSCB0030014

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 RSCB0030014. 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 RSCB0030014 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 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 RSCB0030014 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 code & cheque clearing

Apart from IFSC, every cheque book issued by The Rajasthan State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC RSCB0030014 and the account number together uniquely identify the S M K Sahakari Bank Ltd 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 RSCB0030014

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 The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD, 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: RSCB0030014.
• 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 S M K Sahakari Bank Ltd branch sits at BRANCH SAPOTRA DISTT.KARAULI 322218. If you are travelling from outside Karauli, search for the branch on a maps application using the bank name and locality, or call 9784942268 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 RSCB0030014 and your account number.

Verifying IFSC RSCB0030014 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 RSCB0030014 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9784942268.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at S M K Sahakari Bank Ltd 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 RSCB0030014 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: RSCB0030014 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.