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

Below are the complete branch details for IDBI Bank, PITHORAGARH ZILA SAHKARI BANK branch, located in GANAI GANGOLIHAT, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0768P03. 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 IBKL0768P03 for IDBI Bank – PITHORAGARH ZILA SAHKARI BANK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 IBKL0768P03. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 768P03 map to this branch in GANAI GANGOLIHAT, 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 IBKL0768P03 — extends the bank's services to customers in and around Ganai Gangolihat, Uttarakhand.

Pithoragarh Zila Sahkari Bank branch overview

Located at MAIN MARKET GANGOLIHAT, the Pithoragarh Zila Sahkari Bank branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0768P03 is required for all interbank electronic transfers routed through this branch.

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 IBKL0768P03 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 IBKL0768P03 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 IBKL0768P03 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 IBKL0768P03

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 IBKL0768P03 across all three.

NEFT to IDBI Bank, PITHORAGARH ZILA SAHKARI BANK using IFSC IBKL0768P03

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 IBKL0768P03, and confirm that the system picks up IDBI Bank – PITHORAGARH ZILA SAHKARI BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing 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 IBKL0768P03 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank PITHORAGARH ZILA SAHKARI BANK (IFSC IBKL0768P03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0768P03 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 IBKL0768P03:

• 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 IBKL0768P03.

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 IBKL0768P03 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 Pithoragarh Zila Sahkari Bank branch

Once you have an account at IDBI Bank – PITHORAGARH ZILA SAHKARI BANK, the IFSC IBKL0768P03 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 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 IBKL0768P03

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 IBKL0768P03 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.

How to reach the Pithoragarh Zila Sahkari Bank branch

The branch is located at MAIN MARKET GANGOLIHAT, which puts it inside Ganai Gangolihat, the broader Pithoragarh district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Pithoragarh Zila Sahkari Bank branch” — the verified location pin for IFSC IBKL0768P03 should appear at the top of the results.
2. Confirm the branch is open by calling 5964-225133 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IBKL0768P03 and your account number.

Common mistakes to avoid when using IFSC IBKL0768P03

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 IDBI Bank – PITHORAGARH ZILA SAHKARI BANK, 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: IBKL0768P03.
• 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.

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 IBKL0768P03, however, work 24x7.

Verifying IFSC IBKL0768P03 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 IBKL0768P03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5964-225133.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0768P03 is the IFSC code of IDBI Bank, PITHORAGARH ZILA SAHKARI BANK branch, in GANAI GANGOLIHAT, UTTARAKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.