IFSC Code of IDBI Bank, Uttarkashi Zila Sahkari Bank Ltd Branch, Uttarakhand

If you are searching for the IFSC code of IDBI Bank, UTTARKASHI ZILA SAHKARI BANK LTD branch in UTTARKASHI, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is IBKL01209UC. 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 UTTARKASHI ZILA SAHKARI BANK LTD branch, and detailed step-by-step guides for using the IFSC IBKL01209UC 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For IDBI Bank's UTTARKASHI ZILA SAHKARI BANK LTD branch, the IFSC IBKL01209UC breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 1209UC identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Uttarkashi Zila Sahkari Bank Ltd branch — IFSC IBKL01209UC — extends the bank's services to customers in and around Uttarkashi, Uttarakhand.

Branch details at a glance

About this branch

The branch is located at UTTARKASHI ZILA SAHKARI BANK LTD MALL ROAD UTTARKASHI249193. It serves the Uttarkashi 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 IBKL01209UC is used to identify this branch on the RBI payments network.

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 UTTARKASHI ZILA SAHKARI BANK LTD of IDBI Bank — its own 11-character IFSC. The code IBKL01209UC 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 IBKL01209UC the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Uttarkashi Zila Sahkari Bank Ltd branch

Once you have an account at IDBI Bank – UTTARKASHI ZILA SAHKARI BANK LTD, the IFSC IBKL01209UC 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.

Banking services available

The Uttarkashi Zila Sahkari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7830960228.

• 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 IBKL01209UC

How to transfer money using IFSC IBKL01209UC

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 IBKL01209UC across all three.

NEFT to IDBI Bank, UTTARKASHI ZILA SAHKARI BANK LTD using IFSC IBKL01209UC

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 IBKL01209UC, and confirm that the system picks up IDBI Bank – UTTARKASHI ZILA SAHKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL01209UC

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDBI Bank – UTTARKASHI ZILA SAHKARI BANK LTD, ensure your bank's portal accepts IFSC IBKL01209UC while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank UTTARKASHI ZILA SAHKARI BANK LTD (IFSC IBKL01209UC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL01209UC in your mobile or internet banking app, and the money is credited to the UTTARKASHI ZILA SAHKARI BANK LTD branch account within seconds.

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

All three modes accept the IFSC IBKL01209UC for IDBI Bank – UTTARKASHI ZILA SAHKARI BANK LTD, 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 Uttarkashi Zila Sahkari Bank Ltd 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 IBKL01209UC

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 – UTTARKASHI ZILA SAHKARI BANK LTD is still mapped to IFSC IBKL01209UC. 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 IBKL01209UC and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Uttarkashi Zila Sahkari Bank Ltd 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 IBKL01209UC 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.

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 IBKL01209UC and the account number together uniquely identify the Uttarkashi Zila Sahkari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – UTTARKASHI ZILA SAHKARI BANK LTD:

• The IFSC is exactly IBKL01209UC 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 UTTARKASHI ZILA SAHKARI BANK LTD 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 Uttarkashi Zila Sahkari Bank Ltd branch sits at UTTARKASHI ZILA SAHKARI BANK LTD MALL ROAD UTTARKASHI249193. If you are travelling from outside Uttarkashi, search for the branch on a maps application using the bank name and locality, or call 91-7830960228 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 IBKL01209UC and your account number.

Verifying IFSC IBKL01209UC 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 IBKL01209UC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7830960228.
• 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 Uttarkashi Zila Sahkari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL01209UC, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL01209UC belongs to IDBI Bank's UTTARKASHI ZILA SAHKARI BANK LTD branch, located at UTTARKASHI ZILA SAHKARI BANK LTD MALL ROAD UTTARKASHI249193 in UTTARKASHI, 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.