Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Himachal Pradesh State Cooperative Bank Ltd for its Deha branch in Deha, Shimla, or Himachal Pradesh, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Himachal Pradesh State Cooperative Bank Ltd located in Deha or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code HPSC0000408. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Himachal Pradesh State Cooperative Bank Ltd, Deha, Deha
Below in the table are the key details related to IFSC Code HPSC0000408 of Himachal Pradesh State Cooperative Bank Ltd for its branch located in Deha, within the district of Shimla in the state of Himachal Pradesh.
| Particulars | Details |
|---|---|
| Bank | Himachal Pradesh State Cooperative Bank Ltd |
| IFSC Code | HPSC0000408 |
| Branch | Deha |
| City | Deha |
| District | Shimla |
| State | Himachal Pradesh |
| Address | Bo Deha Pin 171201 |
These details are important not only for users using online banking but also for businesses and individuals who use Himachal Pradesh State Cooperative Bank Ltd in Deha for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code HPSC0000408 for the Deha branch of Himachal Pradesh State Cooperative Bank Ltd is vital.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Himachal Pradesh State Cooperative Bank Ltd located in Deha, Deha, Himachal Pradesh, are allotted a unique IFSC like HPSC0000408 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Deha.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Deha and Shimla.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Himachal Pradesh State Cooperative Bank Ltd in Deha reaches the right place, even though there are thousands of branches in Himachal Pradesh and across India.
Format of the IFSC Code HPSC0000408
The format of the IFSC Code for banks, including Himachal Pradesh State Cooperative Bank Ltd, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Himachal Pradesh State Cooperative Bank Ltd, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Deha in Deha.
For example, the IFSC Code HPSC0000408 of Himachal Pradesh State Cooperative Bank Ltd for the Deha branch includes these elements, identifying the bank and the branch location in Deha and Himachal Pradesh correctly.
How to Find IFSC Code for Himachal Pradesh State Cooperative Bank Ltd?
If you are trying to find the IFSC Code HPSC0000408 of Himachal Pradesh State Cooperative Bank Ltd for its Deha branch located in Deha, the following methods can help:
Cheque Book
The cheque book issued by Himachal Pradesh State Cooperative Bank Ltd includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
You can easily find the IFSC and MICR codes because most banks, including Himachal Pradesh State Cooperative Bank Ltd branches in Deha and Shimla, print them on the first page of your passbook.
Bank Website
Visit the official website of Himachal Pradesh State Cooperative Bank Ltd and navigate to the branch locator section. Search for Deha or Deha to get the exact IFSC Code HPSC0000408.
Mobile Banking App
If you use Himachal Pradesh State Cooperative Bank Ltd's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Himachal Pradesh State Cooperative Bank Ltd and Deha, you'll get the correct details.
How to Use IFSC Code HPSC0000408 for Online Transfers?
Once you have the IFSC Code HPSC0000408 for the Deha branch of Himachal Pradesh State Cooperative Bank Ltd in Deha, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code HPSC0000408. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Himachal Pradesh State Cooperative Bank Ltd IFSC Code HPSC0000408.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Himachal Pradesh State Cooperative Bank Ltd Deha in Deha, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Himachal Pradesh State Cooperative Bank Ltd in Deha, here are some ways to obtain it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Himachal Pradesh State Cooperative Bank Ltd website.
- Search the RBI portal.
Having both the IFSC and MICR codes makes it easy for account holders in Deha to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code of the Deha Deha branch is HPSC0000408.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Bo Deha Pin 171201.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.