IFSC Code of Uttar Pradesh Cooperative Bank Limited, Zila Sahkari Bank Ltd Muzaffarnagar 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 MUZAFFARNAGAR branch in MUZAFFARNAGAR, UTTAR PRADESH. The branch's IFSC code UPCB00MUZAF 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 MUZAFFARNAGAR branch, the IFSC UPCB00MUZAF breaks down as follows: UPCB identifies the bank, 0 is the reserved character, and 0MUZAF identifies this particular branch.

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 Muzaffarnagar branch — IFSC UPCB00MUZAF — extends the bank's services to customers in and around Muzaffarnagar, Uttar Pradesh.

About this branch

The branch is located at COURT ROAD, MUZAFFARNAGAR 251001. It serves the Muzaffarnagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Uttar Pradesh Cooperative Bank Limited. The IFSC UPCB00MUZAF is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch came to be assigned the code UPCB00MUZAF.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UPCB00MUZAF, money simply cannot be routed to the ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Zila Sahkari Bank Ltd Muzaffarnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UPCB00MUZAF for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UPCB00MUZAF

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 UPCB00MUZAF across all three.

NEFT to Uttar Pradesh Cooperative Bank Limited, ZILA SAHKARI BANK LTD MUZAFFARNAGAR using IFSC UPCB00MUZAF

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 UPCB00MUZAF, and confirm that the system picks up Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD MUZAFFARNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UPCB00MUZAF

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 MUZAFFARNAGAR, ensure your bank's portal accepts IFSC UPCB00MUZAF 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 MUZAFFARNAGAR, use IMPS. With IFSC UPCB00MUZAF and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

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 UPCB00MUZAF:

• 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 ZILA SAHKARI BANK LTD MUZAFFARNAGAR is still linked to IFSC UPCB00MUZAF.

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 UPCB00MUZAF

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 MUZAFFARNAGAR is still mapped to IFSC UPCB00MUZAF. 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 UPCB00MUZAF and the beneficiary's account number to complete the transfer.

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

Once you have an account at Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD MUZAFFARNAGAR, the IFSC UPCB00MUZAF 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 Zila Sahkari Bank Ltd Muzaffarnagar branch can access most of Uttar Pradesh Cooperative Bank Limited'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 UPCB00MUZAF

Digital banking channels

Most day-to-day work that customers used to do at the Zila Sahkari Bank Ltd Muzaffarnagar 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 UPCB00MUZAF 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 Zila Sahkari Bank Ltd Muzaffarnagar branch

The branch is located at COURT ROAD, MUZAFFARNAGAR 251001, which puts it inside Muzaffarnagar, the broader Muzaffarnagar district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Uttar Pradesh Cooperative Bank Limited Zila Sahkari Bank Ltd Muzaffarnagar branch” — the verified location pin for IFSC UPCB00MUZAF should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 UPCB00MUZAF and your account number.

Common mistakes to avoid when using IFSC UPCB00MUZAF

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 MUZAFFARNAGAR, 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: UPCB00MUZAF.
• 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.

Working hours

Branch counters at Zila Sahkari Bank Ltd Muzaffarnagar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UPCB00MUZAF continue to work without interruption.

Verifying IFSC UPCB00MUZAF 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 UPCB00MUZAF by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UPCB00MUZAF belongs to Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD MUZAFFARNAGAR branch, located at COURT ROAD, MUZAFFARNAGAR 251001 in MUZAFFARNAGAR, 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.