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

Use this page as a one-stop reference for everything related to Himachal Pradesh State Cooperative Bank Limited's KUTHERA branch in KUTHERA, HIMACHAL PRADESH. The branch's IFSC code HPSC0000113 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.

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, HPSC0000113 is the IFSC of Himachal Pradesh State Cooperative Bank Limited's KUTHERA branch. The format is fixed: HPSC = bank code, 0 = reserved, 000113 = branch identifier.

About the bank

Himachal Pradesh State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kuthera branch in Kuthera, Himachal Pradesh is part of this network and uses the IFSC code HPSC0000113 for all electronic settlement.

About this branch

The branch is located at KUTHERA TEHSIL GHUMARWIN. It serves the Kuthera 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 HPSC0000113 is used to identify this branch on the RBI payments network.

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 KUTHERA branch came to be assigned the code HPSC0000113.

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 HPSC0000113, money simply cannot be routed to the KUTHERA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kuthera branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000113 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 HPSC0000113

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 HPSC0000113 across all three.

How to use IFSC HPSC0000113 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 KUTHERA 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 HPSC0000113.
4. Confirm the bank name auto-populates as Himachal Pradesh State Cooperative Bank Limited and the branch as KUTHERA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HPSC0000113

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 – KUTHERA, ensure your bank's portal accepts IFSC HPSC0000113 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Himachal Pradesh State Cooperative Bank Limited KUTHERA (IFSC HPSC0000113)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000113 in your mobile or internet banking app, and the money is credited to the KUTHERA branch account within seconds.

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

All three modes accept the IFSC HPSC0000113 for Himachal Pradesh State Cooperative Bank Limited – KUTHERA, 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 Kuthera 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 HPSC0000113

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 – KUTHERA is still mapped to IFSC HPSC0000113. 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 HPSC0000113 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kuthera branch is mapped to IFSC HPSC0000113 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 HPSC0000113.

Products and services

Customers walking into the Kuthera branch can access most of Himachal Pradesh State Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC HPSC0000113

Online banking and IFSC HPSC0000113

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUTHERA 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 HPSC0000113 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.

Reaching the branch

The Kuthera branch sits at KUTHERA TEHSIL GHUMARWIN. If you are travelling from outside Kuthera, search for the branch on a maps application using the bank name and locality, or call 1978-275080 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 HPSC0000113 and your account number.

Common mistakes to avoid when using IFSC HPSC0000113

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 – KUTHERA, 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: HPSC0000113.
• 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 Kuthera branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HPSC0000113, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HPSC0000113 for Himachal Pradesh State Cooperative Bank Limited – KUTHERA, 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 address & contact

Frequently asked questions

Final notes

To recap: HPSC0000113 is the IFSC code of Himachal Pradesh State Cooperative Bank Limited, KUTHERA branch, in KUTHERA, 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.