Sumitomo Mitsui Banking Corporation
NEW DELHI BRANCH
+911147689111
Understanding IFSC Code: The Digital DNA of Sumitomo Mitsui Banking Corporation
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the NEW DELHI
branch of Sumitomo Mitsui Banking Corporation, the code SMBC00000SC ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the SMBC00000SC Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"SMBC" represents Sumitomo Mitsui Banking Corporation
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for NEW DELHI
Payment Systems Supported by SMBC00000SC
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code——is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Sumitomo Mitsui Banking Corporation in NEW DELHI typically follows the RBI holiday calendar. Digital transfers via SMBC00000SC for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While SMBC00000SC is the valid code for NEW DELHI at NEW DELHI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
- • NEW DELHI Contact
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Platform Links
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