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

This page lists the IFSC code, branch address, contact number and fund-transfer information for ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch in DHUMAKOT. The 11-digit IFSC ICIC0ZSKT13 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with ICICI Bank Limited at the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 ICIC0ZSKT13 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and ZSKT13 identifies this particular branch.

Branch details at a glance

About ICICI Bank Limited

ICICI Bank Limited operates a wide network of branches across India, including the Zila Sahkari Bank Ltd Garhwal Kotdwar branch in Dhumakot. 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, ICIC0ZSKT13.

About this branch

The branch is located at ICICI BANK LTD DHUMAKOT UTTARAKHAND 246277. It serves the Dhumakot 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 ICIC0ZSKT13 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 ICIC0ZSKT13.

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 ICIC0ZSKT13, money simply cannot be routed to the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch electronically.

How to transfer money using IFSC ICIC0ZSKT13

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 ICIC0ZSKT13 across all three.

How to use IFSC ICIC0ZSKT13 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR 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 ICIC0ZSKT13.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as ZILA SAHKARI BANK LTD GARHWAL KOTDWAR.
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 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 ICIC0ZSKT13 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited ZILA SAHKARI BANK LTD GARHWAL KOTDWAR (IFSC ICIC0ZSKT13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0ZSKT13 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 ICIC0ZSKT13:

• 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 ICIC0ZSKT13.

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 ICIC0ZSKT13 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 ICIC0ZSKT13 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 ICIC0ZSKT13.

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 8192899452.

• 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 ICIC0ZSKT13

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 ICIC0ZSKT13 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.

Online banking and IFSC ICIC0ZSKT13

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 ICIC0ZSKT13 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 ICIC0ZSKT13

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: ICIC0ZSKT13.
• 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 DHUMAKOT UTTARAKHAND 246277, which puts it inside Dhumakot, 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 ICIC0ZSKT13 should appear at the top of the results.
2. Confirm the branch is open by calling 8192899452 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 ICIC0ZSKT13 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0ZSKT13 for ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 ICIC0ZSKT13, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: ICIC0ZSKT13 is the IFSC code of ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, in DHUMAKOT, UTTARAKHAND. 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.