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

If you are searching for the IFSC code of Himachal Pradesh State Cooperative Bank Limited, JUBBAL branch in JUBBAL, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is HPSC0000416. 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 JUBBAL branch, and detailed step-by-step guides for using the IFSC HPSC0000416 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.

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 – JUBBAL is HPSC0000416. The first four letters HPSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000416 map to this branch in JUBBAL, HIMACHAL PRADESH.

About Himachal Pradesh State Cooperative Bank Limited

Himachal Pradesh State Cooperative Bank Limited operates a wide network of branches across India, including the Jubbal branch in Jubbal. 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, HPSC0000416.

Branch details at a glance

Jubbal branch overview

Located at JUBBAL TEHSIL JUBBAL DISTT SHIMLA PIN 171205, the Jubbal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HPSC0000416 is required for all interbank electronic transfers routed through this branch.

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 JUBBAL of Himachal Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code HPSC0000416 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 HPSC0000416 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Jubbal branch is mapped to IFSC HPSC0000416 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 HPSC0000416.

Banking services available

The Jubbal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1781-252047.

• 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 HPSC0000416

How to transfer money using IFSC HPSC0000416

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 HPSC0000416 across all three.

NEFT to Himachal Pradesh State Cooperative Bank Limited, JUBBAL using IFSC HPSC0000416

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 HPSC0000416, and confirm that the system picks up Himachal Pradesh State Cooperative Bank Limited – JUBBAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HPSC0000416

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 – JUBBAL, ensure your bank's portal accepts IFSC HPSC0000416 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 – JUBBAL, use IMPS. With IFSC HPSC0000416 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 HPSC0000416 for Himachal Pradesh State Cooperative Bank Limited – JUBBAL, 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 Jubbal 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 HPSC0000416

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 – JUBBAL is still mapped to IFSC HPSC0000416. 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 HPSC0000416 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HPSC0000416

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JUBBAL 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 HPSC0000416 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Himachal Pradesh State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HPSC0000416 and the account number together uniquely identify the Jubbal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – JUBBAL:

• The IFSC is exactly HPSC0000416 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 JUBBAL 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 Jubbal branch sits at JUBBAL TEHSIL JUBBAL DISTT SHIMLA PIN 171205. If you are travelling from outside Jubbal, search for the branch on a maps application using the bank name and locality, or call 1781-252047 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 HPSC0000416 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HPSC0000416 for Himachal Pradesh State Cooperative Bank Limited – JUBBAL, 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 Jubbal 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 HPSC0000416 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HPSC0000416 is the IFSC code of Himachal Pradesh State Cooperative Bank Limited, JUBBAL branch, in JUBBAL, 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.