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

Below are the complete branch details for Himachal Pradesh State Cooperative Bank Limited, KIARI branch, located in KOTKHAI, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HPSC0000421. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HPSC0000421 for Himachal Pradesh State Cooperative Bank Limited – KIARI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KIARI is HPSC0000421. The first four letters HPSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000421 map to this branch in KOTKHAI, 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 Kiari branch in Kotkhai. 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, HPSC0000421.

Kiari branch overview

Located at KIARI TEHSIL KOTKHAI PIN 171204, the Kiari branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HPSC0000421 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KIARI branch came to be assigned the code HPSC0000421.

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 HPSC0000421, money simply cannot be routed to the KIARI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kiari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000421 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 HPSC0000421

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 HPSC0000421 across all three.

NEFT to Himachal Pradesh State Cooperative Bank Limited, KIARI using IFSC HPSC0000421

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 HPSC0000421, and confirm that the system picks up Himachal Pradesh State Cooperative Bank Limited – KIARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HPSC0000421

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 – KIARI, ensure your bank's portal accepts IFSC HPSC0000421 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Himachal Pradesh State Cooperative Bank Limited KIARI (IFSC HPSC0000421)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000421 in your mobile or internet banking app, and the money is credited to the KIARI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kiari

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 HPSC0000421:

• 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 KIARI is still linked to IFSC HPSC0000421.

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 HPSC0000421

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 – KIARI is still mapped to IFSC HPSC0000421. 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 HPSC0000421 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kiari branch is mapped to IFSC HPSC0000421 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 HPSC0000421.

Banking services available

The Kiari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1783-258213.

• 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 HPSC0000421

Online banking and IFSC HPSC0000421

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KIARI 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 HPSC0000421 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 Kiari branch

The branch is located at KIARI TEHSIL KOTKHAI PIN 171204, which puts it inside Kotkhai, the broader Shimla 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 Kiari branch” — the verified location pin for IFSC HPSC0000421 should appear at the top of the results.
2. Confirm the branch is open by calling 1783-258213 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 HPSC0000421 and your account number.

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 – KIARI:

• The IFSC is exactly HPSC0000421 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 KIARI 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.

Working hours

Branch counters at Kiari 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 HPSC0000421 continue to work without interruption.

Verifying IFSC HPSC0000421 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 HPSC0000421 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1783-258213.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HPSC0000421 belongs to Himachal Pradesh State Cooperative Bank Limited's KIARI branch, located at KIARI TEHSIL KOTKHAI PIN 171204 in KOTKHAI, 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.