IFSC Code of ICICI Bank Limited, Zila Sahkari Bank Ltd Garhwal Kotdwar Branch, Uttarakhand

Use this page as a one-stop reference for everything related to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch in BAIJRAO, UTTARAKHAND. The branch's IFSC code ICIC0ZSKT33 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, the IFSC ICIC0ZSKT33 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and ZSKT33 identifies this particular branch.

Branch details at a glance

About the bank

ICICI Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Zila Sahkari Bank Ltd Garhwal Kotdwar branch in Baijrao, Uttarakhand is part of this network and uses the IFSC code ICIC0ZSKT33 for all electronic settlement.

About this branch

The branch is located at ICICI BANK LTD PABOW, BAIJRAO. It serves the Baijrao region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of ICICI Bank Limited. The IFSC ICIC0ZSKT33 is used to identify this branch on the RBI payments network.

Why every ICICI 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 ZILA SAHKARI BANK LTD GARHWAL KOTDWAR of ICICI Bank Limited — its own 11-character IFSC. The code ICIC0ZSKT33 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 ICIC0ZSKT33 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ICIC0ZSKT33

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 ICIC0ZSKT33 across all three.

NEFT to ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR using IFSC ICIC0ZSKT33

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 ICIC0ZSKT33, and confirm that the system picks up ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ICIC0ZSKT33

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 ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR, ensure your bank's portal accepts IFSC ICIC0ZSKT33 while registering the beneficiary. RTGS is also available 24x7.

IMPS to ICICI Bank Limited ZILA SAHKARI BANK LTD GARHWAL KOTDWAR (IFSC ICIC0ZSKT33)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0ZSKT33 in your mobile or internet banking app, and the money is credited to the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Zila Sahkari Bank Ltd Garhwal Kotdwar

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 ICIC0ZSKT33:

• 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 ZILA SAHKARI BANK LTD GARHWAL KOTDWAR is still linked to IFSC ICIC0ZSKT33.

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.

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 ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, the IFSC ICIC0ZSKT33 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.

Products and account variants supported

Every account opened at the Zila Sahkari Bank Ltd Garhwal Kotdwar branch is mapped to IFSC ICIC0ZSKT33 on the RBI payments network. The branch generally supports the full retail product catalogue of ICICI 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 ICIC0ZSKT33.

Banking services available

The Zila Sahkari Bank Ltd Garhwal Kotdwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 ICIC0ZSKT33

MICR & cheque-truncation details

Cheques drawn on the Zila Sahkari Bank Ltd Garhwal Kotdwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC0ZSKT33 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC ICIC0ZSKT33

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR 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 ICIC0ZSKT33 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.

Common mistakes to avoid when using IFSC ICIC0ZSKT33

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 ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR, 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: ICIC0ZSKT33.
• 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 Zila Sahkari Bank Ltd Garhwal Kotdwar branch

The branch is located at ICICI BANK LTD PABOW, BAIJRAO, which puts it inside Baijrao, the broader Garhwal district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “ICICI Bank Limited Zila Sahkari Bank Ltd Garhwal Kotdwar branch” — the verified location pin for IFSC ICIC0ZSKT33 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 ICIC0ZSKT33 and your account number.

Verifying IFSC ICIC0ZSKT33 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 ICIC0ZSKT33 by:

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

Working hours

Branch counters at Zila Sahkari Bank Ltd Garhwal Kotdwar 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 ICIC0ZSKT33 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0ZSKT33 belongs to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located at ICICI BANK LTD PABOW, BAIJRAO in BAIJRAO, UTTARAKHAND. 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.