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

Use this page as a one-stop reference for everything related to ICICI Bank Limited's ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA branch in KOTDWARA, UTTARAKHAND. The branch's IFSC code ICIC00ZSKTW is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, GARHWAL KOTDWARA branch, the IFSC ICIC00ZSKTW breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 0ZSKTW identifies this particular branch.

About ICICI Bank Limited

ICICI Bank Limited operates a wide network of branches across India, including the Zila Sahakari Bank Ltd, Garhwal Kotdwara branch in Kotdwara. 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, ICIC00ZSKTW.

About the Zila Sahakari Bank Ltd, Garhwal Kotdwara branch

The Zila Sahakari Bank Ltd, Garhwal Kotdwara branch of ICICI Bank Limited is situated at MAIN BRANCH BADRINATH MARG,KOTDWARA,UTTARAKHAND 246149. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code ICIC00ZSKTW is used.

Branch details at a glance

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 SAHAKARI BANK LTD, GARHWAL KOTDWARA of ICICI Bank Limited — its own 11-character IFSC. The code ICIC00ZSKTW 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 ICIC00ZSKTW the same way you would treat your account number — verify it once and save it carefully for future use.

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 ICIC00ZSKTW and the account number together uniquely identify the Zila Sahakari Bank Ltd, Garhwal Kotdwara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ICIC00ZSKTW

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 ICIC00ZSKTW across all three.

NEFT to ICICI Bank Limited, ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA using IFSC ICIC00ZSKTW

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 ICIC00ZSKTW, and confirm that the system picks up ICICI Bank Limited – ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA. 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 SAHAKARI BANK LTD, GARHWAL KOTDWARA

If you need to transfer ₹2 lakh or more in one go to an account at ICICI Bank Limited's ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ICIC00ZSKTW 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 SAHAKARI BANK LTD, GARHWAL KOTDWARA, use IMPS. With IFSC ICIC00ZSKTW 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 ICIC00ZSKTW for ICICI Bank Limited – ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA, 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, Garhwal Kotdwara 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 ICIC00ZSKTW

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, GARHWAL KOTDWARA is still mapped to IFSC ICIC00ZSKTW. 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 ICIC00ZSKTW and the beneficiary's account number to complete the transfer.

Account types you can open at the Zila Sahakari Bank Ltd, Garhwal Kotdwara branch

Once you have an account at ICICI Bank Limited – ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA, the IFSC ICIC00ZSKTW 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.

Products and services

Customers walking into the Zila Sahakari Bank Ltd, Garhwal Kotdwara 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 ICIC00ZSKTW

Online banking and IFSC ICIC00ZSKTW

ICICI Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA 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 ICIC00ZSKTW 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.

Reaching the branch

The Zila Sahakari Bank Ltd, Garhwal Kotdwara branch sits at MAIN BRANCH BADRINATH MARG,KOTDWARA,UTTARAKHAND 246149. If you are travelling from outside Kotdwara, search for the branch on a maps application using the bank name and locality, or call 8192899425 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 ICIC00ZSKTW 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, GARHWAL KOTDWARA:

• The IFSC is exactly ICIC00ZSKTW 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, GARHWAL KOTDWARA 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.

Working hours

Branch counters at Zila Sahakari Bank Ltd, Garhwal Kotdwara 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 ICIC00ZSKTW continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC00ZSKTW for ICICI Bank Limited – ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA, 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 ICIC00ZSKTW belongs to ICICI Bank Limited's ZILA SAHAKARI BANK LTD, GARHWAL KOTDWARA branch, located at MAIN BRANCH BADRINATH MARG,KOTDWARA,UTTARAKHAND 246149 in KOTDWARA, 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.