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

If you are searching for the IFSC code of ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch in CHAKISAIN, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is ICIC0ZSKT22. 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 ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, and detailed step-by-step guides for using the IFSC ICIC0ZSKT22 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.

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 ICIC0ZSKT22 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and ZSKT22 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 Sahkari Bank Ltd Garhwal Kotdwar branch in Chakisain, Uttarakhand is part of this network and uses the IFSC code ICIC0ZSKT22 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at P O TRIPALISAIN PAURI GARHWAL 246130. It serves the Chakisain 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 ICIC0ZSKT22 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 ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch came to be assigned the code ICIC0ZSKT22.

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 ICIC0ZSKT22, money simply cannot be routed to the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch electronically.

Products and account variants supported

Every account opened at the Zila Sahkari Bank Ltd Garhwal Kotdwar branch is mapped to IFSC ICIC0ZSKT22 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 ICIC0ZSKT22.

Products and services

Customers walking into the Zila Sahkari Bank Ltd Garhwal Kotdwar branch can access most of ICICI 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 ICIC0ZSKT22

How to transfer money using IFSC ICIC0ZSKT22

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 ICIC0ZSKT22 across all three.

NEFT to ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR using IFSC ICIC0ZSKT22

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 ICIC0ZSKT22, 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.

Real-Time Gross Settlement to ZILA SAHKARI BANK LTD GARHWAL KOTDWAR

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC0ZSKT22 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited ZILA SAHKARI BANK LTD GARHWAL KOTDWAR (IFSC ICIC0ZSKT22)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0ZSKT22 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 ICIC0ZSKT22:

• 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 ICIC0ZSKT22.

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 ICIC0ZSKT22 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 ICIC0ZSKT22

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 ICIC0ZSKT22 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 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 ICIC0ZSKT22 and the account number together uniquely identify the Zila Sahkari Bank Ltd Garhwal Kotdwar 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 ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR:

• The IFSC is exactly ICIC0ZSKT22 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 SAHKARI BANK LTD GARHWAL KOTDWAR 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 Zila Sahkari Bank Ltd Garhwal Kotdwar branch

The branch is located at P O TRIPALISAIN PAURI GARHWAL 246130, which puts it inside Chakisain, 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 ICIC0ZSKT22 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 ICIC0ZSKT22 and your account number.

Verifying IFSC ICIC0ZSKT22 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 ICIC0ZSKT22 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 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 Sahkari Bank Ltd Garhwal Kotdwar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ICIC0ZSKT22, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0ZSKT22 belongs to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located at P O TRIPALISAIN PAURI GARHWAL 246130 in CHAKISAIN, 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.