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 KHIRSU, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is ICIC0ZSKT21. 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 ICIC0ZSKT21 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, ICIC0ZSKT21 is the IFSC of ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch. The format is fixed: ICIC = bank code, 0 = reserved, ZSKT21 = branch identifier.

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 Khirsu. 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, ICIC0ZSKT21.

About this branch

The branch is located at ICICI BANK LTD KHIRSU. It serves the Khirsu 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 ICIC0ZSKT21 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 ICIC0ZSKT21 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 ICIC0ZSKT21 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 ICIC0ZSKT21

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 ICIC0ZSKT21 across all three.

How to use IFSC ICIC0ZSKT21 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 ICIC0ZSKT21.
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.

RTGS transfers via IFSC ICIC0ZSKT21

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 ICIC0ZSKT21 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR, use IMPS. With IFSC ICIC0ZSKT21 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ICIC0ZSKT21 for ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR, 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 Sahkari Bank Ltd Garhwal Kotdwar 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 ICIC0ZSKT21

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 SAHKARI BANK LTD GARHWAL KOTDWAR is still mapped to IFSC ICIC0ZSKT21. 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 ICIC0ZSKT21 and the beneficiary's account number to complete the transfer.

Account types you can open at the Zila Sahkari Bank Ltd Garhwal Kotdwar branch

Once you have an account at ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR, the IFSC ICIC0ZSKT21 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

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 8192899439.

• 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 ICIC0ZSKT21

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 ICIC0ZSKT21 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 ICIC0ZSKT21

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 ICIC0ZSKT21 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.

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 ICIC0ZSKT21 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.

Reaching the branch

The Zila Sahkari Bank Ltd Garhwal Kotdwar branch sits at ICICI BANK LTD KHIRSU. If you are travelling from outside Khirsu, search for the branch on a maps application using the bank name and locality, or call 8192899439 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC ICIC0ZSKT21 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0ZSKT21 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 ICIC0ZSKT21, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0ZSKT21 belongs to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located at ICICI BANK LTD KHIRSU in KHIRSU, 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.