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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Himachal Pradesh State Cooperative Bank Ltd for its Deori Khaneti branch in Kotkhai, Shimla, Himachal Pradesh, then this guide will give you detailed information.
The banking system has evolved significantly in India, and today the customers of Himachal Pradesh State Cooperative Bank Ltd located in Kotkhai or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code HPSC0000449. 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, Deori Khaneti, Kotkhai
The table below shows the main details of the IFSC Code HPSC0000449 for the Himachal Pradesh State Cooperative Bank Ltd branch in Kotkhai, which falls under the Shimla district in Himachal Pradesh.
| Particulars | Details |
|---|---|
| Bank | Himachal Pradesh State Cooperative Bank Ltd |
| IFSC Code | HPSC0000449 |
| Branch | Deori Khaneti |
| City | Kotkhai |
| District | Shimla |
| State | Himachal Pradesh |
| Address | Deori Khaneti Tehsil Kotkhai Pin 171201 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Himachal Pradesh State Cooperative Bank Ltd in Kotkhai for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code HPSC0000449 for the Deori Khaneti branch of Himachal Pradesh State Cooperative Bank Ltd has an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Himachal Pradesh State Cooperative Bank Ltd located in Deori Khaneti, Kotkhai, Himachal Pradesh, is provided a unique IFSC like HPSC0000449 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Himachal Pradesh State Cooperative Bank Ltd branch in Kotkhai.
- Helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any confusions between multiple branches of the same bank across different places like Kotkhai and Shimla.
- It reduces most of the errors in fund transfers and makes sure its accuracy.
- It enables sender banks to validate and confirm branch details before processing payments.
For thousands of branches across Himachal Pradesh and the rest of India, the IFSC Code ensures that transactions meant for Himachal Pradesh State Cooperative Bank Ltd in Deori Khaneti do not get misguided to another person.
Format of the IFSC Code HPSC0000449
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 Deori Khaneti in Kotkhai.
For example, the IFSC Code HPSC0000449 of Himachal Pradesh State Cooperative Bank Ltd for the Deori Khaneti branch has these elements, identifying the bank and the branch location in Kotkhai 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 HPSC0000449 of Himachal Pradesh State Cooperative Bank Ltd for its Deori Khaneti branch located in Kotkhai, 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
Most banks, including Himachal Pradesh State Cooperative Bank Ltd branches in Kotkhai and Shimla, print the IFSC and MICR codes 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 Deori Khaneti or Kotkhai to get the exact IFSC Code HPSC0000449.
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 Kotkhai, you'll get the correct details.
How to Use IFSC Code HPSC0000449 for Online Transfers?
Once you have the IFSC Code HPSC0000449 for the Deori Khaneti branch of Himachal Pradesh State Cooperative Bank Ltd in Kotkhai, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code HPSC0000449. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Himachal Pradesh State Cooperative Bank Ltd IFSC Code HPSC0000449.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Himachal Pradesh State Cooperative Bank Ltd Deori Khaneti in Kotkhai, it can result in delayed or failed transactions.
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 Deori Khaneti, 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 Kotkhai manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is HPSC0000449.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Deori Khaneti Tehsil Kotkhai Pin 171201 located in Kotkhai, Shimla, Himachal Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.