Zila Sahakari Bank Garhwal Kotdwar
Zila Sahakari Bank Garhwal Kotdwar IMPS BRANCH
+918192899425
Understanding IFSC Code: The Digital DNA of Zila Sahakari Bank Garhwal Kotdwar
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Zila Sahakari Bank Garhwal Kotdwar IMPS
branch of Zila Sahakari Bank Garhwal Kotdwar, the code ICIC00ZSKTW 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 ICIC00ZSKTW Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ICIC" represents Zila Sahakari Bank Garhwal Kotdwar
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Zila Sahakari Bank Garhwal Kotdwar IMPS
Payment Systems Supported by ICIC00ZSKTW
| 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—246810802—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 Zila Sahakari Bank Garhwal Kotdwar in KOTDWARA typically follows the RBI holiday calendar. Digital transfers via ICIC00ZSKTW 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 ICIC00ZSKTW is the valid code for Zila Sahakari Bank Garhwal Kotdwar IMPS at KOTDWARA, ensure the beneficiary name matches perfectly in your mobile banking app.
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Financial Tools
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Branch Context
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Platform Links
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