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

Use this page as a one-stop reference for everything related to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch in SRINAGAR, UTTARAKHAND. The branch's IFSC code ICIC0ZSKT23 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.

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, ICIC0ZSKT23 is the IFSC of ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch. The format is fixed: ICIC = bank code, 0 = reserved, ZSKT23 = branch identifier.

Branch details at a glance

Bank profile

ICICI Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Zila Sahkari Bank Ltd Garhwal Kotdwar branch — IFSC ICIC0ZSKT23 — extends the bank's services to customers in and around Srinagar, Uttarakhand.

About this branch

The branch is located at NEAR PAURI CHUNGI DANG BHAKTIYANA 246174. It serves the Srinagar 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 ICIC0ZSKT23 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 ICIC0ZSKT23.

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 ICIC0ZSKT23, money simply cannot be routed to the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch electronically.

How to transfer money using IFSC ICIC0ZSKT23

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 ICIC0ZSKT23 across all three.

NEFT to ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR using IFSC ICIC0ZSKT23

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 ICIC0ZSKT23, 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 ICIC0ZSKT23 while initiating the transfer and the credit will appear within minutes.

IMPS to ICICI Bank Limited ZILA SAHKARI BANK LTD GARHWAL KOTDWAR (IFSC ICIC0ZSKT23)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ICIC0ZSKT23 in your mobile or internet banking app, and the money is credited to the ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch account within seconds.

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

All three modes accept the IFSC ICIC0ZSKT23 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 ICIC0ZSKT23

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 ICIC0ZSKT23. 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 ICIC0ZSKT23 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 ICIC0ZSKT23 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 ICIC0ZSKT23.

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 the branch contact number.

• 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 ICIC0ZSKT23

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 ICIC0ZSKT23 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.

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 ICIC0ZSKT23 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.

Common mistakes to avoid when using IFSC ICIC0ZSKT23

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: ICIC0ZSKT23.
• 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 Sahkari Bank Ltd Garhwal Kotdwar branch sits at NEAR PAURI CHUNGI DANG BHAKTIYANA 246174. If you are travelling from outside Srinagar, 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 ICIC0ZSKT23 and your account number.

Verifying IFSC ICIC0ZSKT23 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ICIC0ZSKT23 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

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 ICIC0ZSKT23, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0ZSKT23 belongs to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located at NEAR PAURI CHUNGI DANG BHAKTIYANA 246174 in SRINAGAR, 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.