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

If you are searching for the IFSC code of Himachal Pradesh State Cooperative Bank Limited, AKPA branch in MOORANG, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is HPSC0000262. 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 AKPA branch, and detailed step-by-step guides for using the IFSC HPSC0000262 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 – AKPA is HPSC0000262. The first four letters HPSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000262 map to this branch in MOORANG, 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 Akpa branch in Moorang. 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, HPSC0000262.

Branch details at a glance

About this branch

The branch is located at AKPA, TEHSIL MOORANG PIN-172116. It serves the Moorang 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 HPSC0000262 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 AKPA of Himachal Pradesh State Cooperative Bank Limited — its own 11-character IFSC. The code HPSC0000262 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 HPSC0000262 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 Akpa branch

Once you have an account at Himachal Pradesh State Cooperative Bank Limited – AKPA, the IFSC HPSC0000262 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.

Products and services

Customers walking into the Akpa 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 HPSC0000262

How to transfer money using IFSC HPSC0000262

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 HPSC0000262 across all three.

NEFT to Himachal Pradesh State Cooperative Bank Limited, AKPA using IFSC HPSC0000262

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 HPSC0000262, and confirm that the system picks up Himachal Pradesh State Cooperative Bank Limited – AKPA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AKPA

If you need to transfer ₹2 lakh or more in one go to an account at Himachal Pradesh State Cooperative Bank Limited's AKPA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HPSC0000262 while initiating the transfer and the credit will appear within minutes.

IMPS to Himachal Pradesh State Cooperative Bank Limited AKPA (IFSC HPSC0000262)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000262 in your mobile or internet banking app, and the money is credited to the AKPA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Akpa

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 HPSC0000262:

• 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 AKPA is still linked to IFSC HPSC0000262.

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 HPSC0000262

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 – AKPA is still mapped to IFSC HPSC0000262. 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 HPSC0000262 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HPSC0000262

Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AKPA 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 HPSC0000262 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 HPSC0000262 and the account number together uniquely identify the Akpa 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 – AKPA:

• The IFSC is exactly HPSC0000262 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 AKPA 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 Akpa branch

The branch is located at AKPA, TEHSIL MOORANG PIN-172116, which puts it inside Moorang, the broader Kinnaur 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 Akpa branch” — the verified location pin for IFSC HPSC0000262 should appear at the top of the results.
2. Confirm the branch is open by calling 1785-225564 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 HPSC0000262 and your account number.

Verifying IFSC HPSC0000262 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 HPSC0000262 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1785-225564.
• Visiting the bank's official branch locator page.

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 Akpa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HPSC0000262, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HPSC0000262 is the IFSC code of Himachal Pradesh State Cooperative Bank Limited, AKPA branch, in MOORANG, 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.