IFSC Code of FINO Payments Bank, Baddi Branch, Himachal Pradesh

Below are the complete branch details for FINO Payments Bank, BADDI branch, located in SOLAN, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is FINO0001113. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case FINO0001113 for FINO Payments Bank – BADDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, FINO0001113 is the IFSC of FINO Payments Bank's BADDI branch. The format is fixed: FINO = bank code, 0 = reserved, 001113 = branch identifier.

About the bank

FINO Payments Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Baddi branch in Solan, Himachal Pradesh is part of this network and uses the IFSC code FINO0001113 for all electronic settlement.

Branch details at a glance

Baddi branch overview

Located at WARD 3,SERAJ MANJRE,TEH BADDI DISTT.SOLAN,HP -173205, the Baddi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FINO0001113 is required for all interbank electronic transfers routed through this branch.

Why every FINO Payments Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BADDI of FINO Payments Bank — its own 11-character IFSC. The code FINO0001113 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC FINO0001113 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Baddi branch

Once you have an account at FINO Payments Bank – BADDI, the IFSC FINO0001113 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Baddi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9816389375.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC FINO0001113

How to transfer money using IFSC FINO0001113

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC FINO0001113 across all three.

How to use IFSC FINO0001113 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to FINO Payments Bank's BADDI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC FINO0001113.
4. Confirm the bank name auto-populates as FINO Payments Bank and the branch as BADDI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BADDI

If you need to transfer ₹2 lakh or more in one go to an account at FINO Payments Bank's BADDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FINO0001113 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to FINO Payments Bank – BADDI, use IMPS. With IFSC FINO0001113 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Baddi

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC FINO0001113:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BADDI is still linked to IFSC FINO0001113.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at FINO Payments Bank's BADDI branch, the IFSC FINO0001113 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC FINO0001113

FINO Payments Bank customers can register for net banking and the bank's official mobile app once their account at the BADDI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FINO0001113 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by FINO Payments Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FINO0001113 and the account number together uniquely identify the Baddi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to FINO Payments Bank – BADDI:

• The IFSC is exactly FINO0001113 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills FINO Payments Bank as the bank name and BADDI as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Baddi branch

The branch is located at WARD 3,SERAJ MANJRE,TEH BADDI DISTT.SOLAN,HP -173205, which puts it inside Solan, the broader Solan district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “FINO Payments Bank Baddi branch” — the verified location pin for IFSC FINO0001113 should appear at the top of the results.
2. Confirm the branch is open by calling 9816389375 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC FINO0001113 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FINO0001113 for FINO Payments Bank – BADDI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Baddi are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to FINO0001113 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: FINO0001113 is the IFSC code of FINO Payments Bank, BADDI branch, in SOLAN, HIMACHAL PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.