IFSC Code of ICICI Bank Limited, Zila Sahakari Bank Ltd Garhwalkotdwar Branch, Uttarakhand

Below are the complete branch details for ICICI Bank Limited, ZILA SAHAKARI BANK LTD GARHWALKOTDWAR branch, located in BIRONKHAL, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is ICIC00ZSKT8. 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 ICIC00ZSKT8 for ICICI Bank Limited – ZILA SAHAKARI BANK LTD GARHWALKOTDWAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SAHAKARI BANK LTD GARHWALKOTDWAR branch, the IFSC ICIC00ZSKT8 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 0ZSKT8 identifies this particular branch.

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 Sahakari Bank Ltd Garhwalkotdwar branch in Bironkhal, Uttarakhand is part of this network and uses the IFSC code ICIC00ZSKT8 for all electronic settlement.

Zila Sahakari Bank Ltd Garhwalkotdwar branch overview

Located at BAIJROO ROAD PAURI GARHWAL 24627, the Zila Sahakari Bank Ltd Garhwalkotdwar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC00ZSKT8 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 ICICI Bank Limited's ZILA SAHAKARI BANK LTD GARHWALKOTDWAR branch came to be assigned the code ICIC00ZSKT8.

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 ICIC00ZSKT8, money simply cannot be routed to the ZILA SAHAKARI BANK LTD GARHWALKOTDWAR branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by ICICI Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ICIC00ZSKT8 and the account number together uniquely identify the Zila Sahakari Bank Ltd Garhwalkotdwar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC00ZSKT8

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 ICIC00ZSKT8 across all three.

How to use IFSC ICIC00ZSKT8 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's ZILA SAHAKARI BANK LTD GARHWALKOTDWAR 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 ICIC00ZSKT8.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as ZILA SAHAKARI BANK LTD GARHWALKOTDWAR.
5. 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 ZILA SAHAKARI BANK LTD GARHWALKOTDWAR

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's ZILA SAHAKARI BANK LTD GARHWALKOTDWAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC00ZSKT8 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited ZILA SAHAKARI BANK LTD GARHWALKOTDWAR (IFSC ICIC00ZSKT8)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC00ZSKT8 in your mobile or internet banking app, and the money is credited to the ZILA SAHAKARI BANK LTD GARHWALKOTDWAR branch account within seconds.

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

All three modes accept the IFSC ICIC00ZSKT8 for ICICI Bank Limited – ZILA SAHAKARI BANK LTD GARHWALKOTDWAR, 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 Zila Sahakari Bank Ltd Garhwalkotdwar 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 ICIC00ZSKT8

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 ICICI Bank Limited – ZILA SAHAKARI BANK LTD GARHWALKOTDWAR is still mapped to IFSC ICIC00ZSKT8. 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 ICIC00ZSKT8 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Zila Sahakari Bank Ltd Garhwalkotdwar branch is mapped to IFSC ICIC00ZSKT8 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 ICIC00ZSKT8.

Banking services available

The Zila Sahakari Bank Ltd Garhwalkotdwar 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 ICIC00ZSKT8

Digital banking channels

Most day-to-day work that customers used to do at the Zila Sahakari Bank Ltd Garhwalkotdwar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC ICIC00ZSKT8 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Zila Sahakari Bank Ltd Garhwalkotdwar branch

The branch is located at BAIJROO ROAD PAURI GARHWAL 24627, which puts it inside Bironkhal, 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 Sahakari Bank Ltd Garhwalkotdwar branch” — the verified location pin for IFSC ICIC00ZSKT8 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 ICIC00ZSKT8 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 ICICI Bank Limited – ZILA SAHAKARI BANK LTD GARHWALKOTDWAR:

• The IFSC is exactly ICIC00ZSKT8 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills ICICI Bank Limited as the bank name and ZILA SAHAKARI BANK LTD GARHWALKOTDWAR 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.

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 Zila Sahakari Bank Ltd Garhwalkotdwar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC00ZSKT8, however, work 24x7.

Verifying IFSC ICIC00ZSKT8 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 ICIC00ZSKT8 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC00ZSKT8 belongs to ICICI Bank Limited's ZILA SAHAKARI BANK LTD GARHWALKOTDWAR branch, located at BAIJROO ROAD PAURI GARHWAL 24627 in BIRONKHAL, 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.