IFSC Code of Himachal Pradesh State Cooperative Bank Limited, Barot Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to Himachal Pradesh State Cooperative Bank Limited's BAROT branch in BAROT, HIMACHAL PRADESH. The branch's IFSC code HPSC0000304 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, HPSC0000304 is the IFSC of Himachal Pradesh State Cooperative Bank Limited's BAROT branch. The format is fixed: HPSC = bank code, 0 = reserved, 000304 = branch identifier.

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 Barot branch — IFSC HPSC0000304 — extends the bank's services to customers in and around Barot, Himachal Pradesh.

Barot branch overview

Located at BAROT MANDI, the Barot branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HPSC0000304 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Himachal Pradesh State Cooperative Bank Limited's BAROT branch came to be assigned the code HPSC0000304.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC HPSC0000304, money simply cannot be routed to the BAROT branch electronically.

How to transfer money using IFSC HPSC0000304

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 HPSC0000304 across all three.

NEFT to Himachal Pradesh State Cooperative Bank Limited, BAROT using IFSC HPSC0000304

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 HPSC0000304, and confirm that the system picks up Himachal Pradesh State Cooperative Bank Limited – BAROT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HPSC0000304

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 – BAROT, ensure your bank's portal accepts IFSC HPSC0000304 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Himachal Pradesh State Cooperative Bank Limited – BAROT, use IMPS. With IFSC HPSC0000304 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 Barot

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 HPSC0000304:

• 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 BAROT is still linked to IFSC HPSC0000304.

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.

UPI payments and IFSC HPSC0000304

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 – BAROT is still mapped to IFSC HPSC0000304. 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 HPSC0000304 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Barot branch is mapped to IFSC HPSC0000304 on the RBI payments network. The branch generally supports the full retail product catalogue of Himachal Pradesh State Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains HPSC0000304.

Banking services available

The Barot branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1908-267241.

• 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 HPSC0000304

MICR & cheque-truncation details

Cheques drawn on the Barot branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000304 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Barot branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC HPSC0000304 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC HPSC0000304

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 – BAROT, 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: HPSC0000304.
• 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.

Reaching the branch

The Barot branch sits at BAROT MANDI. If you are travelling from outside Barot, search for the branch on a maps application using the bank name and locality, or call 1908-267241 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HPSC0000304 and your account number.

Verifying IFSC HPSC0000304 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm HPSC0000304 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1908-267241.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Barot 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 HPSC0000304 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HPSC0000304 belongs to Himachal Pradesh State Cooperative Bank Limited's BAROT branch, located at BAROT MANDI in BAROT, HIMACHAL PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.