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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Himachal Pradesh State Cooperative Bank Limited, JIKHNIPUL branch in CHOPAL. The 11-digit IFSC HPSC0000415 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Himachal Pradesh State Cooperative Bank Limited at the JIKHNIPUL location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Himachal Pradesh State Cooperative Bank Limited – JIKHNIPUL is HPSC0000415. The first four letters HPSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000415 map to this branch in CHOPAL, HIMACHAL PRADESH.

Bank profile

Himachal Pradesh State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jikhnipul branch — IFSC HPSC0000415 — extends the bank's services to customers in and around Chopal, Himachal Pradesh.

Branch details at a glance

About this branch

The branch is located at JHIKNIPUL TEHSIL CHOPAL PIN 171211. It serves the Chopal 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 HPSC0000415 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 JIKHNIPUL of Himachal Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code HPSC0000415 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 HPSC0000415 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 Jikhnipul branch

Once you have an account at Himachal Pradesh State Cooperative Bank Limited – JIKHNIPUL, the IFSC HPSC0000415 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 Jikhnipul branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1783-266530.

• 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 HPSC0000415

How to transfer money using IFSC HPSC0000415

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 HPSC0000415 across all three.

How to use IFSC HPSC0000415 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 JIKHNIPUL 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 HPSC0000415.
4. Confirm the bank name auto-populates as Himachal Pradesh State Cooperative Bank Limited and the branch as JIKHNIPUL.
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 JIKHNIPUL

If you need to transfer ₹2 lakh or more in one go to an account at Himachal Pradesh State Cooperative Bank Limited's JIKHNIPUL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HPSC0000415 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Himachal Pradesh State Cooperative Bank Limited – JIKHNIPUL, use IMPS. With IFSC HPSC0000415 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC HPSC0000415 for Himachal Pradesh State Cooperative Bank Limited – JIKHNIPUL, 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 Jikhnipul 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.

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 Himachal Pradesh State Cooperative Bank Limited's JIKHNIPUL branch, the IFSC HPSC0000415 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 HPSC0000415

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JIKHNIPUL 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 HPSC0000415 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 & cheque-truncation details

Cheques drawn on the Jikhnipul branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000415 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 Himachal Pradesh State Cooperative Bank Limited – JIKHNIPUL:

• The IFSC is exactly HPSC0000415 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Himachal Pradesh State Cooperative Bank Limited as the bank name and JIKHNIPUL 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.

Reaching the branch

The Jikhnipul branch sits at JHIKNIPUL TEHSIL CHOPAL PIN 171211. If you are travelling from outside Chopal, search for the branch on a maps application using the bank name and locality, or call 1783-266530 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 HPSC0000415 and your account number.

Verifying IFSC HPSC0000415 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 HPSC0000415 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1783-266530.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Jikhnipul 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 HPSC0000415 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HPSC0000415 belongs to Himachal Pradesh State Cooperative Bank Limited's JIKHNIPUL branch, located at JHIKNIPUL TEHSIL CHOPAL PIN 171211 in CHOPAL, 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.