IFSC Code of IDBI Bank, Pithoragarh Zila Sahkari Bank Branch, Uttarakhand

If you are searching for the IFSC code of IDBI Bank, PITHORAGARH ZILA SAHKARI BANK branch in BARAKOTE, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is IBKL0768P12. 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 PITHORAGARH ZILA SAHKARI BANK branch, and detailed step-by-step guides for using the IFSC IBKL0768P12 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – PITHORAGARH ZILA SAHKARI BANK is IBKL0768P12. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 768P12 map to this branch in BARAKOTE, UTTARAKHAND.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pithoragarh Zila Sahkari Bank branch — IFSC IBKL0768P12 — extends the bank's services to customers in and around Barakote, Uttarakhand.

About this branch

The branch is located at MAIN MARKET BARAKOT. It serves the Barakote region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0768P12 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every IDBI Bank 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 PITHORAGARH ZILA SAHKARI BANK of IDBI Bank — its own 11-character IFSC. The code IBKL0768P12 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 IBKL0768P12 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 IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL0768P12 and the account number together uniquely identify the Pithoragarh Zila Sahkari Bank branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL0768P12

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 IBKL0768P12 across all three.

How to use IFSC IBKL0768P12 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's PITHORAGARH ZILA SAHKARI BANK 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 IBKL0768P12.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as PITHORAGARH ZILA SAHKARI BANK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PITHORAGARH ZILA SAHKARI BANK

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's PITHORAGARH ZILA SAHKARI BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0768P12 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank PITHORAGARH ZILA SAHKARI BANK (IFSC IBKL0768P12)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0768P12 in your mobile or internet banking app, and the money is credited to the PITHORAGARH ZILA SAHKARI BANK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pithoragarh Zila Sahkari Bank

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 IBKL0768P12:

• 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 PITHORAGARH ZILA SAHKARI BANK is still linked to IFSC IBKL0768P12.

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 IDBI Bank's PITHORAGARH ZILA SAHKARI BANK branch, the IFSC IBKL0768P12 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.

Products and account variants supported

Every account opened at the Pithoragarh Zila Sahkari Bank branch is mapped to IFSC IBKL0768P12 on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, 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 IBKL0768P12.

Products and services

Customers walking into the Pithoragarh Zila Sahkari Bank branch can access most of IDBI Bank'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 IBKL0768P12

Digital banking channels

Most day-to-day work that customers used to do at the Pithoragarh Zila Sahkari Bank 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 IBKL0768P12 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.

Reaching the branch

The Pithoragarh Zila Sahkari Bank branch sits at MAIN MARKET BARAKOT. If you are travelling from outside Barakote, search for the branch on a maps application using the bank name and locality, or call 5964-225133 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 IBKL0768P12 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 IDBI Bank – PITHORAGARH ZILA SAHKARI BANK:

• The IFSC is exactly IBKL0768P12 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and PITHORAGARH ZILA SAHKARI BANK 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.

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 Pithoragarh Zila Sahkari Bank branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0768P12, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0768P12 for IDBI Bank – PITHORAGARH ZILA SAHKARI BANK, 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 IBKL0768P12 belongs to IDBI Bank's PITHORAGARH ZILA SAHKARI BANK branch, located at MAIN MARKET BARAKOT in BARAKOTE, 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.