IFSC Code of Himachal Pradesh State Cooperative Bank Limited, Bali Chowki Branch, Himachal Pradesh

Below are the complete branch details for Himachal Pradesh State Cooperative Bank Limited, BALI CHOWKI branch, located in BALI CHOWKI, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HPSC0000303. 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 HPSC0000303 for Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Himachal Pradesh State Cooperative Bank Limited's BALI CHOWKI branch, the IFSC HPSC0000303 breaks down as follows: HPSC identifies the bank, 0 is the reserved character, and 000303 identifies this particular branch.

Branch details at a glance

Bank profile

Himachal Pradesh State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bali Chowki branch — IFSC HPSC0000303 — extends the bank's services to customers in and around Bali Chowki, Himachal Pradesh.

About this branch

The branch is located at BALICHOWKI TEHSIL BALICHOWKI PIN 175106. It serves the Bali Chowki region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Himachal Pradesh State Cooperative Bank Limited. The IFSC HPSC0000303 is used to identify this branch on the RBI payments network.

Why every Himachal Pradesh State Cooperative Bank Limited 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 BALI CHOWKI of Himachal Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code HPSC0000303 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 HPSC0000303 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC HPSC0000303

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 HPSC0000303 across all three.

NEFT to Himachal Pradesh State Cooperative Bank Limited, BALI CHOWKI using IFSC HPSC0000303

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC HPSC0000303, and confirm that the system picks up Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HPSC0000303

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI, ensure your bank's portal accepts IFSC HPSC0000303 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Himachal Pradesh State Cooperative Bank Limited BALI CHOWKI (IFSC HPSC0000303)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000303 in your mobile or internet banking app, and the money is credited to the BALI CHOWKI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HPSC0000303 for Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bali Chowki branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC HPSC0000303

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI is still mapped to IFSC HPSC0000303. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC HPSC0000303 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bali Chowki branch

Once you have an account at Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI, the IFSC HPSC0000303 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 Bali Chowki branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1905-229145.

• 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 HPSC0000303

MICR & cheque-truncation details

Cheques drawn on the Bali Chowki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000303 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HPSC0000303

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BALI CHOWKI 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 HPSC0000303 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.

Common mistakes to avoid when using IFSC HPSC0000303

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: HPSC0000303.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Bali Chowki branch

The branch is located at BALICHOWKI TEHSIL BALICHOWKI PIN 175106, which puts it inside Bali Chowki, the broader Mandi district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Himachal Pradesh State Cooperative Bank Limited Bali Chowki branch” — the verified location pin for IFSC HPSC0000303 should appear at the top of the results.
2. Confirm the branch is open by calling 1905-229145 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 HPSC0000303 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HPSC0000303 for Himachal Pradesh State Cooperative Bank Limited – BALI CHOWKI, 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 Bali Chowki 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 HPSC0000303 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HPSC0000303 is the IFSC code of Himachal Pradesh State Cooperative Bank Limited, BALI CHOWKI branch, in BALI CHOWKI, 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.