IFSC Code of Uttar Pradesh Cooperative Bank Limited, Zila Sahkari Bank Ltd Lucknow Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD LUCKNOW branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code UPCB00ZSBLL is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD LUCKNOW branch, the IFSC UPCB00ZSBLL breaks down as follows: UPCB identifies the bank, 0 is the reserved character, and 0ZSBLL identifies this particular branch.

Branch details at a glance

Bank profile

Uttar Pradesh Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Zila Sahkari Bank Ltd Lucknow branch — IFSC UPCB00ZSBLL — extends the bank's services to customers in and around Lucknow, Uttar Pradesh.

Zila Sahkari Bank Ltd Lucknow branch overview

Located at JAGDISH BUILDING HAZRATGANJ LUCKNOW 226001, the Zila Sahkari Bank Ltd Lucknow branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UPCB00ZSBLL is required for all interbank electronic transfers routed through this branch.

Why every Uttar Pradesh Cooperative 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 LUCKNOW of Uttar Pradesh Cooperative Bank Limited — its own 11-character IFSC. The code UPCB00ZSBLL 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 UPCB00ZSBLL 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 UPCB00ZSBLL

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 UPCB00ZSBLL across all three.

How to use IFSC UPCB00ZSBLL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD LUCKNOW 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 UPCB00ZSBLL.
4. Confirm the bank name auto-populates as Uttar Pradesh Cooperative Bank Limited and the branch as ZILA SAHKARI BANK LTD LUCKNOW.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UPCB00ZSBLL

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 Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD LUCKNOW, ensure your bank's portal accepts IFSC UPCB00ZSBLL while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD LUCKNOW, use IMPS. With IFSC UPCB00ZSBLL and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC UPCB00ZSBLL for Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD LUCKNOW, 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 Zila Sahkari Bank Ltd Lucknow 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 UPCB00ZSBLL

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 Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD LUCKNOW is still mapped to IFSC UPCB00ZSBLL. 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 UPCB00ZSBLL and the beneficiary's account number to complete the transfer.

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

Once you have an account at Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD LUCKNOW, the IFSC UPCB00ZSBLL 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 Zila Sahkari Bank Ltd Lucknow branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8756400205.

• 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 UPCB00ZSBLL

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Uttar Pradesh Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UPCB00ZSBLL and the account number together uniquely identify the Zila Sahkari Bank Ltd Lucknow 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 Zila Sahkari Bank Ltd Lucknow 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 UPCB00ZSBLL 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 UPCB00ZSBLL

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 Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD LUCKNOW, 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: UPCB00ZSBLL.
• 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.

Reaching the branch

The Zila Sahkari Bank Ltd Lucknow branch sits at JAGDISH BUILDING HAZRATGANJ LUCKNOW 226001. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 91-8756400205 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 UPCB00ZSBLL and your account number.

Verifying IFSC UPCB00ZSBLL 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 UPCB00ZSBLL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8756400205.
• 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 Lucknow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UPCB00ZSBLL, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UPCB00ZSBLL belongs to Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD LUCKNOW branch, located at JAGDISH BUILDING HAZRATGANJ LUCKNOW 226001 in LUCKNOW, UTTAR PRADESH. 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.