Use this page as a one-stop reference for everything related to Himachal Pradesh State Cooperative Bank Limited's NARAIN branch in SHIMLA, HIMACHAL PRADESH. The branch's IFSC code HPSC0000471 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.
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 – NARAIN is HPSC0000471. The first four letters HPSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000471 map to this branch in SHIMLA, HIMACHAL PRADESH.
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 Narain branch in Shimla, Himachal Pradesh is part of this network and uses the IFSC code HPSC0000471 for all electronic settlement.
Branch details at a glance
| Bank Name | Himachal Pradesh State Cooperative Bank Limited |
|---|---|
| Branch | Narain |
| IFSC Code | HPSC0000471 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VPO NARAIN TEHSIL RAMPUR |
| City | Shimla |
| District | Shimla |
| State | Himachal Pradesh |
| STD Code | 0 |
| Phone | 0 |
About this branch
The branch is located at VPO NARAIN TEHSIL RAMPUR. It serves the Shimla 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 HPSC0000471 is used to identify this branch on the RBI payments network.
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 NARAIN branch came to be assigned the code HPSC0000471.
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 HPSC0000471, money simply cannot be routed to the NARAIN branch electronically.
Products and account variants supported
Every account opened at the Narain branch is mapped to IFSC HPSC0000471 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 HPSC0000471.
Products and services
Customers walking into the Narain 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 HPSC0000471
How to transfer money using IFSC HPSC0000471
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 HPSC0000471 across all three.
How to use IFSC HPSC0000471 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 NARAIN 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HPSC0000471.
- Confirm the bank name auto-populates as Himachal Pradesh State Cooperative Bank Limited and the branch as NARAIN.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to NARAIN
If you need to transfer ₹2 lakh or more in one go to an account at Himachal Pradesh State Cooperative Bank Limited's NARAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HPSC0000471 while initiating the transfer and the credit will appear within minutes.
IMPS to Himachal Pradesh State Cooperative Bank Limited NARAIN (IFSC HPSC0000471)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HPSC0000471 in your mobile or internet banking app, and the money is credited to the NARAIN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HPSC0000471 for Himachal Pradesh State Cooperative Bank Limited – NARAIN, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HPSC0000471 | Yes – HPSC0000471 | Yes – HPSC0000471 |
For most retail customers crediting the Narain 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 NARAIN branch, the IFSC HPSC0000471 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.
Online banking and IFSC HPSC0000471
Himachal Pradesh State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NARAIN 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 HPSC0000471 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 & cheque-truncation details
Cheques drawn on the Narain branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HPSC0000471 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HPSC0000471
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 – NARAIN, 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:
HPSC0000471. - 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.
How to reach the Narain branch
The branch is located at VPO NARAIN TEHSIL RAMPUR, which puts it inside Shimla, the broader Shimla district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Himachal Pradesh State Cooperative Bank Limited Narain branch” — the verified location pin for IFSC HPSC0000471 should appear at the top of the results.
- Confirm the branch is open by calling 0 before stepping out, especially around public holidays.
- 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 HPSC0000471 and your account number.
Verifying IFSC HPSC0000471 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 HPSC0000471 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Narain 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 HPSC0000471 continue to work without interruption.
Branch address & contact
Himachal Pradesh State Cooperative Bank LimitedNarain Branch
VPO NARAIN TEHSIL RAMPUR
Shimla, Himachal Pradesh
Phone: 0
IFSC: HPSC0000471
Frequently asked questions
Does Himachal Pradesh State Cooperative Bank Limited Narain branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
How do I add Himachal Pradesh State Cooperative Bank Limited Narain as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HPSC0000471, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HPSC0000471 the same for all accounts at Narain branch?
Yes. The IFSC HPSC0000471 is shared by every account held at Himachal Pradesh State Cooperative Bank Limited's Narain branch. Only the account number changes from customer to customer.
Is IFSC HPSC0000471 valid for NEFT and RTGS?
Yes. IFSC HPSC0000471 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HPSC0000471 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HPSC0000471 to send funds instantly.
What is the phone number of Himachal Pradesh State Cooperative Bank Limited Narain branch?
You can reach the branch at 0 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Narain branch but serve different purposes.
Summary
The IFSC code HPSC0000471 belongs to Himachal Pradesh State Cooperative Bank Limited's NARAIN branch, located at VPO NARAIN TEHSIL RAMPUR in SHIMLA, 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.
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