IFSC Code of Himachal Pradesh State Cooperative Bank Ltd, Surgani, Chamba, Himachal Pradesh — HPSC0000191

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Himachal Pradesh State Cooperative Bank Ltd for its Surgani branch in Surgani, Chamba, Himachal Pradesh, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Himachal Pradesh State Cooperative Bank Ltd situated in Surgani or anywhere in Himachal Pradesh can easily transfer funds instantly by using the correct IFSC Code HPSC0000191. You should 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, Surgani, Surgani

The table below shows the main details of the IFSC Code HPSC0000191 for the Himachal Pradesh State Cooperative Bank Ltd branch in Surgani, which falls under the Chamba district in Himachal Pradesh.

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 Surgani for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code HPSC0000191 for the Surgani 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, 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 Surgani, Surgani, Himachal Pradesh, are allotted a unique IFSC like HPSC0000191 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Surgani.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Surgani and Chamba.
• 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 Surgani reaches the right place, even though there are thousands of branches in Himachal Pradesh and across India.

Format of the IFSC Code HPSC0000191

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

AAAA0CCCCCC

Here's the explanation:

• First 4 characters (AAAA): This is the bank code. For Himachal Pradesh State Cooperative Bank Ltd, these characters are the bank's short identifier.
• 5th character (0): This stays zero till there is any future use.
• Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Surgani in Surgani.

For example, the IFSC Code HPSC0000191 of Himachal Pradesh State Cooperative Bank Ltd for the Surgani branch includes these elements, identifying the bank and the branch location in Surgani and Himachal Pradesh accurately.

How to Find IFSC Code for Himachal Pradesh State Cooperative Bank Ltd?

If you are trying to find the IFSC Code HPSC0000191 of Himachal Pradesh State Cooperative Bank Ltd for its Surgani branch located in Surgani, 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 Surgani and Chamba, 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 Surgani or Surgani to get the exact IFSC Code HPSC0000191.

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 Surgani, you'll get the correct details.

How to Use IFSC Code HPSC0000191 for Online Transfers?

Once you have the IFSC Code HPSC0000191 for the Surgani branch of Himachal Pradesh State Cooperative Bank Ltd in Surgani, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code HPSC0000191. 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 HPSC0000191.

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 Surgani in Surgani, 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 Surgani, 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 Surgani to handle online money transfers and get their cheques cleared smoothly.