Shivalik Small Finance Bank is headquartered in Noida and has stayed genuinely compact compared to most banks in this series — around 17 branches across 10 states and union territories, a far cry from the several-hundred-branch networks that most other small finance banks in this list have built. It, too, started out as a microfinance-focused institution before converting into a full-service small finance bank, with a footprint concentrated in North India and a growing set of emerging towns. Notably, the bank recently absorbed ManiBhavnam Home Finance India Private Limited, with the merger taking effect on 28 July 2026 — existing home finance customers continue with uninterrupted service under Shivalik.
Daily Branch Hours
Available guidance consistently points to 9:30 AM opening and general services wrapping up around 4:00 PM, matching the standard small finance bank pattern seen elsewhere in this series.
| Day | Branch Hours |
| Monday–Friday | 9:30 AM – 4:00 PM |
| Working Saturdays | Same general pattern |
| 2nd & 4th Saturday | Closed |
| Sunday | Closed |
| National/State Bank Holidays | Closed |
Given how small Shivalik’s branch network actually is, branch-to-branch variation is a real possibility even though it isn’t specifically documented — with only 17 branches nationwide, there’s less pressure toward the kind of standardized hours a larger network enforces, so confirming with your specific branch is worthwhile.
Cash Counter Cutoff
Cash counters typically stop accepting deposits and withdrawals around 3:30 PM, half an hour ahead of the branch’s general 4:00 PM close. This gives staff time to complete balancing and reconciliation before the day ends. If your visit involves cash specifically, aiming to arrive well before 3:30 PM keeps you clear of the cutoff.
RTGS and NEFT: Confirmed Service, Limited Published Detail
Shivalik’s branches are NEFT and RTGS enabled, and the bank’s own site confirms support for standard digital fund transfer channels, including a dedicated RTGS Customer Facilitation section in its policies:
- RTGS and NEFT through the branch — confirmed available, following the standard RBI framework applied industry-wide
- Online transfers — supported through Shivalik’s Internet Banking, mobile app, and UPI Fund Transfer options, per the bank’s own service listings
- Specific hourly cutoff figures for branch-based RTGS and NEFT weren’t found with the same precision that some larger banks in this series publish
Given Shivalik’s smaller footprint and the relative scarcity of detailed third-party timing guides, confirming exact transfer cutoffs directly with your branch or through the bank’s customer care line (1800 202 5333) is the more reliable approach for anything time-sensitive.
Lunch: Standard Practice, No Full Closure
Following the pattern typical of small finance banks in this series, Shivalik branches don’t shut down entirely for lunch. Staff most likely rotate through breaks — commonly falling somewhere in the 1:00 PM to 2:00 PM range industry-wide — while counters remain functional throughout the day.
Best Time to Visit
9:30 AM to 11:00 AM remains the recommended window, ahead of any midday slowdown and comfortably within the cash counter’s active hours. Given how compact Shivalik’s network is, a specific branch may serve a wider catchment of customers than a similarly sized branch at a bigger bank, making an early visit more valuable in avoiding queues.
Working Saturdays
Shivalik follows the RBI’s standard alternate-Saturday framework: closed on the 2nd and 4th Saturday of each month, with service continuing on the remaining Saturdays under the same general hours as weekdays.
Beyond Branch Hours
- Shivalik Internet Banking and Mobile Banking App — available for account management and transfers
- SMS Banking — offered as an additional access channel outside typical app or web use
- UPI Fund Transfer, Merchant Business Solutions, Tax Payment, and Bill Payments — all supported digitally per the bank’s own service listing
- Positive Pay System — available for cheque fraud prevention, an added security layer alongside standard banking services
- Debit Card Blocking and PIN Generation — self-service options available outside branch hours
- ATM network — accessible for withdrawals and balance checks
FAQs
Q1. What are Shivalik Small Finance Bank’s standard branch hours?
Available guidance points to 9:30 AM to 4:00 PM on working days and working Saturdays — though given the bank’s small branch network, confirming with your specific branch is worthwhile.
Q2. Does Shivalik Small Finance Bank close for lunch?
No confirmed bank-specific figure exists, but following standard Indian banking practice, staff likely rotate through breaks rather than closing entirely.
Q3. When do cash counters actually stop working?
Around 3:30 PM, half an hour before the branch’s general 4:00 PM closing time.
Q4. Is Shivalik Small Finance Bank open on all Saturdays?
No — following the standard RBI rule, the bank closes on the 2nd and 4th Saturday, with service continuing on the remaining Saturdays.
Q5. What happened with the recent ManiBhavnam merger?
ManiBhavnam Home Finance India Private Limited merged with Shivalik Small Finance Bank effective 28 July 2026. Existing loan customers continue their accounts and repayment obligations without interruption under Shivalik.
