Himachal Pradesh State Co-operative Bank
UPPER KAITHU BRANCH
+911772621135
Related Branches
Understanding IFSC Code: The Digital DNA of Himachal Pradesh State Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the UPPER KAITHU
branch of Himachal Pradesh State Co-operative Bank, the code HPSC0000476 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the HPSC0000476 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"HPSC" represents Himachal Pradesh State Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for UPPER KAITHU
Payment Systems Supported by HPSC0000476
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code——is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Himachal Pradesh State Co-operative Bank in UPPER KAITHU typically follows the RBI holiday calendar. Digital transfers via HPSC0000476 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While HPSC0000476 is the valid code for UPPER KAITHU at UPPER KAITHU, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Himachal Pradesh State Co-operative Bank Branch List
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- • Bank Holiday in HIMACHAL PRADESH
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
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Branch Context
- • UPPER KAITHU Contact
- • Address of Himachal Pradesh State Co-operative Bank
- • MICR Code Finder
- • HIMACHAL PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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