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 RSCB0030015. 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 RSCB0030015 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 RSCB0030015 breaks down as follows: RSCB identifies the bank, 0 is the reserved character, and 030015 identifies this particular branch.

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 RSCB0030015 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at BRANCHE TODABHIM DISTT.KARAULI 321611. It serves the Karauli region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Rajasthan State Cooperative Bank Limited. The IFSC RSCB0030015 is used to identify this branch on the RBI payments network.

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 The Rajasthan State Cooperative Bank Limited's S M K SAHAKARI BANK LTD branch came to be assigned the code RSCB0030015.

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 RSCB0030015, money simply cannot be routed to the S M K SAHAKARI BANK LTD branch electronically.

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 RSCB0030015 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 9784942278.

• 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 RSCB0030015

How to transfer money using IFSC RSCB0030015

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 RSCB0030015 across all three.

How to use IFSC RSCB0030015 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 RSCB0030015.
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.

Real-Time Gross Settlement to S M K SAHAKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at The Rajasthan State Cooperative Bank Limited's S M K SAHAKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RSCB0030015 while initiating the transfer and the credit will appear within minutes.

IMPS to The Rajasthan State Cooperative Bank Limited S M K SAHAKARI BANK LTD (IFSC RSCB0030015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RSCB0030015 in your mobile or internet banking app, and the money is credited to the S M K SAHAKARI BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to S M K Sahakari Bank Ltd

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 RSCB0030015:

• 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 S M K SAHAKARI BANK LTD is still linked to IFSC RSCB0030015.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Rajasthan State Cooperative Bank Limited's S M K SAHAKARI BANK LTD branch, the IFSC RSCB0030015 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

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 RSCB0030015 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 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 RSCB0030015 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC RSCB0030015

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: RSCB0030015.
• 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 BRANCHE TODABHIM DISTT.KARAULI 321611. If you are travelling from outside Karauli, search for the branch on a maps application using the bank name and locality, or call 9784942278 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 RSCB0030015 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RSCB0030015 for The Rajasthan State Cooperative Bank Limited – S M K SAHAKARI BANK LTD, 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 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 RSCB0030015 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: RSCB0030015 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.