Smriti Nagrik Sahakari Bank — JAORA Branch

How to Use SMNB0000014 for Money Transfers

The IFSC code SMNB0000014 is specifically assigned to the JAORA branch of Smriti Nagrik Sahakari Bank located in RATLAM, MADHYA PRADESH. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use SMNB0000014 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use SMNB0000014 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require SMNB0000014 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Smriti Nagrik Sahakari Bank JAORA Branch

The JAORA branch of Smriti Nagrik Sahakari Bank is situated in RATLAM, MADHYA PRADESH. The branch address is SURVEYNO.242/1,RAKBA0.0012,MHOW NEEMUCH ROAD,GRAM - BANNAKHEDI,TEHSIL JAORA,DIST RATLAM,MADHYA PRADESH 457226. This branch supports electronic payment services including NEFT, RTGS, IMPS. You can contact this branch at +917429405629. Always use the IFSC code SMNB0000014 when making any online fund transfer to an account held at this branch.