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

Use this page as a one-stop reference for everything related to ICICI Bank Limited's ZILA SAHAKARI BANK LTD GARHWAL KOTDWAR branch in RIKHNIKHAL, UTTARAKHAND. The branch's IFSC code ICIC00ZSKT5 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 KOTDWAR branch, the IFSC ICIC00ZSKT5 breaks down as follows: ICIC identifies the bank, 0 is the reserved character, and 0ZSKT5 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 Kotdwar branch in Rikhnikhal. 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, ICIC00ZSKT5.

Branch details at a glance

Zila Sahakari Bank Ltd Garhwal Kotdwar branch overview

Located at RIKHNIKHAL PAURI GARHWAL 246179, the Zila Sahakari Bank Ltd Garhwal Kotdwar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ICIC00ZSKT5 is required for all interbank electronic transfers routed through this branch.

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 SAHAKARI BANK LTD GARHWAL KOTDWAR branch came to be assigned the code ICIC00ZSKT5.

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 ICIC00ZSKT5, money simply cannot be routed to the ZILA SAHAKARI BANK LTD GARHWAL KOTDWAR branch electronically.

Products and account variants supported

Every account opened at the Zila Sahakari Bank Ltd Garhwal Kotdwar branch is mapped to IFSC ICIC00ZSKT5 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 ICIC00ZSKT5.

Products and services

Customers walking into the Zila Sahakari 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 ICIC00ZSKT5

How to transfer money using IFSC ICIC00ZSKT5

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 ICIC00ZSKT5 across all three.

How to use IFSC ICIC00ZSKT5 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to ICICI Bank Limited's ZILA SAHAKARI 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 ICIC00ZSKT5.
4. Confirm the bank name auto-populates as ICICI Bank Limited and the branch as ZILA SAHAKARI 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 ICIC00ZSKT5

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 SAHAKARI BANK LTD GARHWAL KOTDWAR, ensure your bank's portal accepts IFSC ICIC00ZSKT5 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 SAHAKARI BANK LTD GARHWAL KOTDWAR, use IMPS. With IFSC ICIC00ZSKT5 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 ICIC00ZSKT5 for ICICI Bank Limited – ZILA SAHAKARI 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 Sahakari 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 ICIC00ZSKT5

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 KOTDWAR is still mapped to IFSC ICIC00ZSKT5. 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 ICIC00ZSKT5 and the beneficiary's account number to complete the transfer.

Online banking and IFSC ICIC00ZSKT5

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 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 ICIC00ZSKT5 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 & cheque-truncation details

Cheques drawn on the Zila Sahakari Bank Ltd Garhwal Kotdwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ICIC00ZSKT5 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC ICIC00ZSKT5

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 SAHAKARI 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: ICIC00ZSKT5.
• 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.

Reaching the branch

The Zila Sahakari Bank Ltd Garhwal Kotdwar branch sits at RIKHNIKHAL PAURI GARHWAL 246179. If you are travelling from outside Rikhnikhal, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 ICIC00ZSKT5 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ICIC00ZSKT5 for ICICI Bank Limited – ZILA SAHAKARI 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 Sahakari 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 ICIC00ZSKT5, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC00ZSKT5 belongs to ICICI Bank Limited's ZILA SAHAKARI BANK LTD GARHWAL KOTDWAR branch, located at RIKHNIKHAL PAURI GARHWAL 246179 in RIKHNIKHAL, 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.