Use this page as a one-stop reference for everything related to Himachal Pradesh State Cooperative Bank Limited's KILLAR branch in CHAMBA, HIMACHAL PRADESH. The branch's IFSC code HPSC0000203 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.
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 KILLAR branch, the IFSC HPSC0000203 breaks down as follows: HPSC identifies the bank, 0 is the reserved character, and 000203 identifies this particular branch.
Bank profile
Himachal Pradesh State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Killar branch — IFSC HPSC0000203 — extends the bank's services to customers in and around Chamba, Himachal Pradesh.
About the Killar branch
The Killar branch of Himachal Pradesh State Cooperative Bank Limited is situated at PO KILLAR TEHSIL PANGI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HPSC0000203 is used.
Branch details at a glance
| Bank Name | Himachal Pradesh State Cooperative Bank Limited |
|---|---|
| Branch | Killar |
| IFSC Code | HPSC0000203 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PO KILLAR TEHSIL PANGI |
| City | Chamba |
| District | Chamba |
| State | Himachal Pradesh |
| STD Code | 1897 |
| Phone | 242240 |
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 KILLAR branch came to be assigned the code HPSC0000203.
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 HPSC0000203, money simply cannot be routed to the KILLAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Killar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000203 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC HPSC0000203
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 HPSC0000203 across all three.
How to use IFSC HPSC0000203 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Himachal Pradesh State Cooperative Bank Limited's KILLAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HPSC0000203.
- Confirm the bank name auto-populates as Himachal Pradesh State Cooperative Bank Limited and the branch as KILLAR.
- 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 KILLAR
If you need to transfer ₹2 lakh or more in one go to an account at Himachal Pradesh State Cooperative Bank Limited's KILLAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HPSC0000203 while initiating the transfer and the credit will appear within minutes.
IMPS to Himachal Pradesh State Cooperative Bank Limited KILLAR (IFSC HPSC0000203)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000203 in your mobile or internet banking app, and the money is credited to the KILLAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Killar
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 HPSC0000203:
- 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 KILLAR is still linked to IFSC HPSC0000203.
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 HPSC0000203
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 – KILLAR is still mapped to IFSC HPSC0000203. 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 HPSC0000203 and the beneficiary's account number to complete the transfer.
Account types you can open at the Killar branch
Once you have an account at Himachal Pradesh State Cooperative Bank Limited – KILLAR, the IFSC HPSC0000203 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 Killar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1897-242240.
- 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 HPSC0000203
Online banking and IFSC HPSC0000203
Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KILLAR 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 HPSC0000203 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.
How to reach the Killar branch
The branch is located at PO KILLAR TEHSIL PANGI, which puts it inside Chamba, the broader Chamba district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Himachal Pradesh State Cooperative Bank Limited Killar branch” — the verified location pin for IFSC HPSC0000203 should appear at the top of the results.
- Confirm the branch is open by calling 1897-242240 before stepping out, especially around public holidays.
- 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 HPSC0000203 and your account number.
Common mistakes to avoid when using IFSC HPSC0000203
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 – KILLAR, 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:
HPSC0000203. - 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Killar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HPSC0000203, however, work 24x7.
Verifying IFSC HPSC0000203 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 HPSC0000203 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1897-242240.
- Visiting the bank's official branch locator page.
Branch address & contact
Himachal Pradesh State Cooperative Bank LimitedKillar Branch
PO KILLAR TEHSIL PANGI
Chamba, Himachal Pradesh
Phone: 1897-242240
IFSC: HPSC0000203
Frequently asked questions
What is the IFSC code of Himachal Pradesh State Cooperative Bank Limited Killar branch?
The IFSC code of Himachal Pradesh State Cooperative Bank Limited, Killar branch is HPSC0000203. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HPSC0000203 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Himachal Pradesh State Cooperative Bank Limited – Killar reflect within 30 minutes.
Is IFSC HPSC0000203 the same for all accounts at Killar branch?
Yes. The IFSC HPSC0000203 is shared by every account held at Himachal Pradesh State Cooperative Bank Limited's Killar branch. Only the account number changes from customer to customer.
Is IFSC HPSC0000203 valid for NEFT and RTGS?
Yes. IFSC HPSC0000203 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Himachal Pradesh State Cooperative Bank Limited Killar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1897-242240 to confirm.
Can I use IFSC HPSC0000203 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HPSC0000203 to send funds instantly.
How do I add Himachal Pradesh State Cooperative Bank Limited Killar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HPSC0000203, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code HPSC0000203 belongs to Himachal Pradesh State Cooperative Bank Limited's KILLAR branch, located at PO KILLAR TEHSIL PANGI in CHAMBA, 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.
