IFSC Code of IDBI Bank, Chamoli Zila Sahkari Bank Limited Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, CHAMOLI ZILA SAHKARI BANK LIMITED branch in GOPESHWAR CHAMOLI. The 11-digit IFSC IBKL070CZSB uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the CHAMOLI ZILA SAHKARI BANK LIMITED location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – CHAMOLI ZILA SAHKARI BANK LIMITED is IBKL070CZSB. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 70CZSB map to this branch in GOPESHWAR CHAMOLI, UTTARAKHAND.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chamoli Zila Sahkari Bank Limited branch in Gopeshwar Chamoli, Uttarakhand is part of this network and uses the IFSC code IBKL070CZSB for all electronic settlement.

About the Chamoli Zila Sahkari Bank Limited branch

The Chamoli Zila Sahkari Bank Limited branch of IDBI Bank is situated at CHAMOLI ZILA SAHKARI BANK LIMITED HEAD OFFICE GOPESHWAR DIST CHAMOLI UTTRAKHAND PIN CODE 246401. 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 IBKL070CZSB is used.

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 CHAMOLI ZILA SAHKARI BANK LIMITED of IDBI Bank — its own 11-character IFSC. The code IBKL070CZSB 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 IBKL070CZSB 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 IBKL070CZSB

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 IBKL070CZSB across all three.

NEFT to IDBI Bank, CHAMOLI ZILA SAHKARI BANK LIMITED using IFSC IBKL070CZSB

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 IBKL070CZSB, and confirm that the system picks up IDBI Bank – CHAMOLI ZILA SAHKARI BANK LIMITED. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAMOLI ZILA SAHKARI BANK LIMITED

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's CHAMOLI ZILA SAHKARI BANK LIMITED branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL070CZSB while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank CHAMOLI ZILA SAHKARI BANK LIMITED (IFSC IBKL070CZSB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL070CZSB in your mobile or internet banking app, and the money is credited to the CHAMOLI ZILA SAHKARI BANK LIMITED branch account within seconds.

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

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 IBKL070CZSB:

• 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 CHAMOLI ZILA SAHKARI BANK LIMITED is still linked to IFSC IBKL070CZSB.

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.

UPI payments and IFSC IBKL070CZSB

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 IDBI Bank – CHAMOLI ZILA SAHKARI BANK LIMITED is still mapped to IFSC IBKL070CZSB. 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 IBKL070CZSB and the beneficiary's account number to complete the transfer.

Account types you can open at the Chamoli Zila Sahkari Bank Limited branch

Once you have an account at IDBI Bank – CHAMOLI ZILA SAHKARI BANK LIMITED, the IFSC IBKL070CZSB 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 Chamoli Zila Sahkari Bank Limited 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 IBKL070CZSB

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 IBKL070CZSB and the account number together uniquely identify the Chamoli Zila Sahkari Bank Limited 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 Chamoli Zila Sahkari Bank Limited 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 IBKL070CZSB 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 IBKL070CZSB

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 – CHAMOLI ZILA SAHKARI BANK LIMITED, 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: IBKL070CZSB.
• 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.

How to reach the Chamoli Zila Sahkari Bank Limited branch

The branch is located at CHAMOLI ZILA SAHKARI BANK LIMITED HEAD OFFICE GOPESHWAR DIST CHAMOLI UTTRAKHAND PIN CODE 246401, which puts it inside Gopeshwar Chamoli, the broader Chamoli district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Chamoli Zila Sahkari Bank Limited branch” — the verified location pin for IFSC IBKL070CZSB should appear at the top of the results.
2. Confirm the branch is open by calling 91-7618215891 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 IBKL070CZSB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL070CZSB for IDBI Bank – CHAMOLI ZILA SAHKARI BANK LIMITED, 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 Chamoli Zila Sahkari Bank Limited branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL070CZSB, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL070CZSB is the IFSC code of IDBI Bank, CHAMOLI ZILA SAHKARI BANK LIMITED branch, in GOPESHWAR CHAMOLI, 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.