Soubhagya Mahila Souhardha Sahakari Bank Soubhagya Mahila Souhardha Sahakari Bank Imps IFSC Code
Soubhagya Mahila Souhardha Sahakari Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Soubhagya Mahila Souhardha Sahakari Bank Imps
District
Gadag
State
Maharashtra
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Frequently Asked Questions
About Soubhagya Mahila Souhardha Sahakari Bank Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms), Gadag
The IFSC code IBKL0069SMS (lowercase: ibkl0069sms) belongs to Soubhagya Mahila Souhardha Sahakari Bank, specifically the Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms) branch located in Gadag, Maharashtra.
The 5th character in the IFSC code IBKL0069SMS is a zero (0), not the letter 'O'. The correct format is IBKL0069SMS (lowercase: ibkl0069sms), and not IBKLO069SMS. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Soubhagya Mahila Souhardha Sahakari Bank Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms) in Gadag, Maharashtra is IBKL0069SMS. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Soubhagya Mahila Souhardha Sahakari Bank Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms) is located at Apmc Road,gadag, Gadag, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Soubhagya Mahila Souhardha Sahakari Bank Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms) is 582887002. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code IBKL0069SMS is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code IBKL0069SMS by checking: (1) The top-left corner of any Soubhagya Mahila Souhardha Sahakari Bank Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms) cheque leaf, (2) The first page of your Soubhagya Mahila Souhardha Sahakari Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: IBKL0069SMS
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
IBKL0069SMS
What Each Part Means
- Bank Code — IBKL
- The first 4 characters uniquely identify Soubhagya Mahila Souhardha Sahakari Bank at the national level. Every branch of Soubhagya Mahila Souhardha Sahakari Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 069SMS
- The final 6 characters 069SMS uniquely identify this specific branch within the Soubhagya Mahila Souhardha Sahakari Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | IBKL | Identifies Soubhagya Mahila Souhardha Sahakari Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 069SMS | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Soubhagya Mahila Souhardha Sahakari Bank
Soubhagya Mahila Souhardha Sahakari Bank Imps (apmc Road Gadag - 9sms), Gadag, Maharashtra
Cheque No.
00000069
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | IBKL0069SMS | 582887002 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.