For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Himachal Pradesh State Cooperative Bank Ltd for its Mehandli branch in Mehandli, Shimla, Himachal Pradesh, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Himachal Pradesh State Cooperative Bank Ltd located in Mehandli or anywhere in Himachal Pradesh can transfer funds instantly by using the correct IFSC Code HPSC0000479. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Himachal Pradesh State Cooperative Bank Ltd, Mehandli, Mehandli
Below in the table are the key details related to IFSC Code HPSC0000479 of Himachal Pradesh State Cooperative Bank Ltd for its branch located in Mehandli, within the district of Shimla in the state of Himachal Pradesh.
| Particulars | Details |
|---|---|
| Bank | Himachal Pradesh State Cooperative Bank Ltd |
| IFSC Code | HPSC0000479 |
| Branch | Mehandli |
| City | Mehandli |
| District | Shimla |
| State | Himachal Pradesh |
| Address | Gp Ukhali Mehandli Tehsil Rohru Distt Shimla Hp |
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 Mehandli for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code HPSC0000479 for the Mehandli 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, including Himachal Pradesh State Cooperative Bank Ltd located in Mehandli, Mehandli, Himachal Pradesh, is provided with a unique IFSC like HPSC0000479 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 Mehandli.
- 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 Mehandli 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 Mehandli do not get mixed with another location.
Format of the IFSC Code HPSC0000479
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 Mehandli in Mehandli.
For example, the IFSC Code HPSC0000479 of Himachal Pradesh State Cooperative Bank Ltd for the Mehandli branch includes these elements, identifying the bank and the branch location in Mehandli 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 HPSC0000479 of Himachal Pradesh State Cooperative Bank Ltd for its Mehandli branch located in Mehandli, 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 Mehandli 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 Mehandli or Mehandli to get the exact IFSC Code HPSC0000479.
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 Mehandli, you'll get the correct details.
How to Use IFSC Code HPSC0000479 for Online Transfers?
If you have the IFSC Code HPSC0000479 for the Mehandli branch of Himachal Pradesh State Cooperative Bank Ltd in Mehandli, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code HPSC0000479. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and Himachal Pradesh State Cooperative Bank Ltd IFSC Code HPSC0000479.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Himachal Pradesh State Cooperative Bank Ltd Mehandli in Mehandli, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Himachal Pradesh State Cooperative Bank Ltd in Mehandli, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Himachal Pradesh State Cooperative Bank Ltd website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Mehandli manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is HPSC0000479.
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 Gp Ukhali Mehandli Tehsil Rohru Distt Shimla Hp located in Mehandli, Shimla, Himachal Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.