IFSC Code of Himachal Pradesh State Cooperative Bank Ltd, Kharapathar, Shimla, Himachal Pradesh — HPSC0000459

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 Kharapathar branch in Jubbal, 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 Jubbal or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code HPSC0000459. 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, Kharapathar, Jubbal

Below in the table are the key details related to IFSC Code HPSC0000459 of Himachal Pradesh State Cooperative Bank Ltd for its branch located in Jubbal, within the district of Shimla in the state of Himachal Pradesh.

These details are essential not only for online banking users but also for businesses and individuals who use Himachal Pradesh State Cooperative Bank Ltd in Jubbal for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code HPSC0000459 for the Kharapathar branch of Himachal Pradesh State Cooperative Bank Ltd plays an important role.

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, including Himachal Pradesh State Cooperative Bank Ltd located in Kharapathar, Jubbal, Himachal Pradesh, is provided with a unique IFSC like HPSC0000459 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It uniquely identifies the Himachal Pradesh State Cooperative Bank Ltd branch in Jubbal.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any errors or confusions between multiple branches of the same bank across different places like Jubbal and Shimla.
• It reduces errors in fund transfers and improves accuracy.
• It allows sender banks to validate and confirm branch details before processing payments.

There are thousands of branches across Himachal Pradesh and the rest of India and the IFSC Code ensures that transactions meant for Himachal Pradesh State Cooperative Bank Ltd in Kharapathar do not get mixed with another location.

Format of the IFSC Code HPSC0000459

The format of the IFSC Code for banks, including Himachal Pradesh State Cooperative Bank Ltd, follows an 11-character structure:

AAAA0CCCCCC

Here's the breakdown:

• First 4 characters (AAAA): These represent the bank code. In Himachal Pradesh State Cooperative Bank Ltd, they are a short identifier for the bank.
• 5th character (0): This is always zero and is reserved for future use.
• Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Kharapathar in Jubbal.

For example, the IFSC Code HPSC0000459 of Himachal Pradesh State Cooperative Bank Ltd for the Kharapathar branch has these elements, identifying the bank and the branch location in Jubbal 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 HPSC0000459 of Himachal Pradesh State Cooperative Bank Ltd for its Kharapathar branch located in Jubbal, 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 Jubbal 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 Kharapathar or Jubbal to get the exact IFSC Code HPSC0000459.

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 Jubbal, you'll get the correct details.

How to Use IFSC Code HPSC0000459 for Online Transfers?

Once you have the IFSC Code HPSC0000459 for the Kharapathar branch of Himachal Pradesh State Cooperative Bank Ltd in Jubbal, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code HPSC0000459. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.

RTGS

Used for high-value payments above ₹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 HPSC0000459.

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 Kharapathar in Jubbal, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Himachal Pradesh State Cooperative Bank Ltd in Kharapathar, here are some of the ways you can get 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.

Knowing both IFSC and MICR code can help account holders in Jubbal manage their online transfers and cheque clearances easily.