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

If you are searching for the IFSC code of Himachal Pradesh State Cooperative Bank Limited, GHUMARWIN branch in GHUMARWIN, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is HPSC0000110. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GHUMARWIN branch, and detailed step-by-step guides for using the IFSC HPSC0000110 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, HPSC0000110 is the IFSC of Himachal Pradesh State Cooperative Bank Limited's GHUMARWIN branch. The format is fixed: HPSC = bank code, 0 = reserved, 000110 = branch identifier.

Branch details at a glance

About Himachal Pradesh State Cooperative Bank Limited

Himachal Pradesh State Cooperative Bank Limited operates a wide network of branches across India, including the Ghumarwin branch in Ghumarwin. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HPSC0000110.

About the Ghumarwin branch

The Ghumarwin branch of Himachal Pradesh State Cooperative Bank Limited is situated at GHUMARWIN PIN 174021. 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 HPSC0000110 is used.

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 GHUMARWIN branch came to be assigned the code HPSC0000110.

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 HPSC0000110, money simply cannot be routed to the GHUMARWIN branch electronically.

How to transfer money using IFSC HPSC0000110

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 HPSC0000110 across all three.

NEFT to Himachal Pradesh State Cooperative Bank Limited, GHUMARWIN using IFSC HPSC0000110

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 HPSC0000110, and confirm that the system picks up Himachal Pradesh State Cooperative Bank Limited – GHUMARWIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GHUMARWIN

If you need to transfer ₹2 lakh or more in one go to an account at Himachal Pradesh State Cooperative Bank Limited's GHUMARWIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HPSC0000110 while initiating the transfer and the credit will appear within minutes.

IMPS to Himachal Pradesh State Cooperative Bank Limited GHUMARWIN (IFSC HPSC0000110)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000110 in your mobile or internet banking app, and the money is credited to the GHUMARWIN branch account within seconds.

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

All three modes accept the IFSC HPSC0000110 for Himachal Pradesh State Cooperative Bank Limited – GHUMARWIN, 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 Ghumarwin 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 GHUMARWIN branch, the IFSC HPSC0000110 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.

Account types you can open at the Ghumarwin branch

Once you have an account at Himachal Pradesh State Cooperative Bank Limited – GHUMARWIN, the IFSC HPSC0000110 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 Ghumarwin branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1978-255243.

• 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 HPSC0000110

MICR & cheque-truncation details

Cheques drawn on the Ghumarwin branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000110 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HPSC0000110

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHUMARWIN 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 HPSC0000110 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.

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 – GHUMARWIN:

• The IFSC is exactly HPSC0000110 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 GHUMARWIN 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 Ghumarwin branch

The branch is located at GHUMARWIN PIN 174021, which puts it inside Ghumarwin, the broader Bilaspur 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 Ghumarwin branch” — the verified location pin for IFSC HPSC0000110 should appear at the top of the results.
2. Confirm the branch is open by calling 1978-255243 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 HPSC0000110 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HPSC0000110 for Himachal Pradesh State Cooperative Bank Limited – GHUMARWIN, 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.

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 Ghumarwin branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HPSC0000110, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HPSC0000110 belongs to Himachal Pradesh State Cooperative Bank Limited's GHUMARWIN branch, located at GHUMARWIN PIN 174021 in GHUMARWIN, 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.