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

Below are the complete branch details for ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located in SRINAGAR, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is ICIC0ZSKT31. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ICIC0ZSKT31 for ICICI Bank Limited – ZILA SAHKARI BANK LTD GARHWAL KOTDWAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, ICIC0ZSKT31 is the IFSC of ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch. The format is fixed: ICIC = bank code, 0 = reserved, ZSKT31 = 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 ICIC0ZSKT31 — extends the bank's services to customers in and around Srinagar, Uttarakhand.

About the Zila Sahkari Bank Ltd Garhwal Kotdwar branch

The Zila Sahkari Bank Ltd Garhwal Kotdwar branch of ICICI Bank Limited is situated at KHANDAH PAURI GARHWAL 246001. 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 ICIC0ZSKT31 is used.

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 ICIC0ZSKT31 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 ICIC0ZSKT31 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 ICIC0ZSKT31

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 ICIC0ZSKT31 across all three.

NEFT to ICICI Bank Limited, ZILA SAHKARI BANK LTD GARHWAL KOTDWAR using IFSC ICIC0ZSKT31

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 ICIC0ZSKT31, 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 ICIC0ZSKT31 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 ICIC0ZSKT31 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Zila Sahkari Bank Ltd Garhwal Kotdwar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC ICIC0ZSKT31:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ZILA SAHKARI BANK LTD GARHWAL KOTDWAR is still linked to IFSC ICIC0ZSKT31.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, the IFSC ICIC0ZSKT31 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

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 ICIC0ZSKT31 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 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 ICIC0ZSKT31

MICR & cheque-truncation details

Cheques drawn on the Zila Sahkari 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 ICIC0ZSKT31 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 ICIC0ZSKT31 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.

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 ICIC0ZSKT31 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 KHANDAH PAURI GARHWAL 246001. 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 ICIC0ZSKT31 and your account number.

Verifying IFSC ICIC0ZSKT31 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 ICIC0ZSKT31 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 ICIC0ZSKT31, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ICIC0ZSKT31 belongs to ICICI Bank Limited's ZILA SAHKARI BANK LTD GARHWAL KOTDWAR branch, located at KHANDAH PAURI GARHWAL 246001 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.