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 KOT, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is ICIC0ZSKT18. 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 ICIC0ZSKT18 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 ICIC0ZSKT18 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and ZSKT18 identifies this particular branch.

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 Kot. 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, ICIC0ZSKT18.

About this branch

The branch is located at KOTMAHADEV PAURI GARHWAL 246148. It serves the Kot 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 ICIC0ZSKT18 is used to identify this branch on the RBI payments network.

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 SAHKARI BANK LTD GARHWAL KOTDWAR branch came to be assigned the code ICIC0ZSKT18.

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 ICIC0ZSKT18, money simply cannot be routed to the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR 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 ICIC0ZSKT18 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.

How to transfer money using IFSC ICIC0ZSKT18

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 ICIC0ZSKT18 across all three.

NEFT to ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR using IFSC ICIC0ZSKT18

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 ICIC0ZSKT18, 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 ICIC0ZSKT18 while initiating the transfer and the credit will appear within minutes.

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 ICIC0ZSKT18 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 ICIC0ZSKT18 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 ICIC0ZSKT18

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 ICIC0ZSKT18. 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 ICIC0ZSKT18 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Zila Sahkari Bank Ltd Garhwal Kotdwar branch is mapped to IFSC ICIC0ZSKT18 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 ICIC0ZSKT18.

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 ICIC0ZSKT18

Digital banking channels

Most day-to-day work that customers used to do at the Zila Sahkari Bank Ltd Garhwal Kotdwar 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 ICIC0ZSKT18 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 Sahkari Bank Ltd Garhwal Kotdwar branch

The branch is located at KOTMAHADEV PAURI GARHWAL 246148, which puts it inside Kot, 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 ICIC0ZSKT18 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 ICIC0ZSKT18 and your account number.

Common mistakes to avoid when using IFSC ICIC0ZSKT18

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: ICIC0ZSKT18.
• 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.

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 ICIC0ZSKT18 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC0ZSKT18 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 address & contact

Frequently asked questions

Summary

The IFSC code ICIC0ZSKT18 belongs to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located at KOTMAHADEV PAURI GARHWAL 246148 in KOT, 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.