IFSC Code of Uttar Pradesh Cooperative Bank Limited, Zila Sahkari Bank Ltd Siddharthnagar 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 SIDDHARTHNAGAR branch in NAUGARH, UTTAR PRADESH. The branch's IFSC code UPCB00ZSBSN 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 SIDDHARTHNAGAR branch, the IFSC UPCB00ZSBSN breaks down as follows: UPCB identifies the bank, 0 is the reserved character, and 0ZSBSN 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 Siddharthnagar branch — IFSC UPCB00ZSBSN — extends the bank's services to customers in and around Naugarh, Uttar Pradesh.

About this branch

The branch is located at BANK ROAD TETRI BAZAR SIDDHARTHNAGAR UP. It serves the Naugarh 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 UPCB00ZSBSN is used to identify this branch on the RBI payments network.

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 SIDDHARTHNAGAR of Uttar Pradesh Cooperative Bank Limited — its own 11-character IFSC. The code UPCB00ZSBSN 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 UPCB00ZSBSN 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 UPCB00ZSBSN

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 UPCB00ZSBSN across all three.

NEFT to Uttar Pradesh Cooperative Bank Limited, ZILA SAHKARI BANK LTD SIDDHARTHNAGAR using IFSC UPCB00ZSBSN

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 UPCB00ZSBSN, and confirm that the system picks up Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD SIDDHARTHNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UPCB00ZSBSN

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 SIDDHARTHNAGAR, ensure your bank's portal accepts IFSC UPCB00ZSBSN while registering the beneficiary. RTGS is also available 24x7.

IMPS to Uttar Pradesh Cooperative Bank Limited ZILA SAHKARI BANK LTD SIDDHARTHNAGAR (IFSC UPCB00ZSBSN)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UPCB00ZSBSN in your mobile or internet banking app, and the money is credited to the ZILA SAHKARI BANK LTD SIDDHARTHNAGAR branch account within seconds.

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

All three modes accept the IFSC UPCB00ZSBSN for Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD SIDDHARTHNAGAR, 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 Siddharthnagar 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.

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 Uttar Pradesh Cooperative Bank Limited's ZILA SAHKARI BANK LTD SIDDHARTHNAGAR branch, the IFSC UPCB00ZSBSN 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.

Products and account variants supported

Every account opened at the Zila Sahkari Bank Ltd Siddharthnagar branch is mapped to IFSC UPCB00ZSBSN on the RBI payments network. The branch generally supports the full retail product catalogue of Uttar Pradesh Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UPCB00ZSBSN.

Products and services

Customers walking into the Zila Sahkari Bank Ltd Siddharthnagar 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 UPCB00ZSBSN

MICR & cheque-truncation details

Cheques drawn on the Zila Sahkari Bank Ltd Siddharthnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UPCB00ZSBSN for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Zila Sahkari Bank Ltd Siddharthnagar 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 UPCB00ZSBSN 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 UPCB00ZSBSN

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 SIDDHARTHNAGAR, 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: UPCB00ZSBSN.
• 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 Siddharthnagar branch sits at BANK ROAD TETRI BAZAR SIDDHARTHNAGAR UP. If you are travelling from outside Naugarh, search for the branch on a maps application using the bank name and locality, or call 91-7398680286 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 UPCB00ZSBSN and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UPCB00ZSBSN for Uttar Pradesh Cooperative Bank Limited – ZILA SAHKARI BANK LTD SIDDHARTHNAGAR, 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.

Working hours

Branch counters at Zila Sahkari Bank Ltd Siddharthnagar 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 UPCB00ZSBSN continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UPCB00ZSBSN is the IFSC code of Uttar Pradesh Cooperative Bank Limited, ZILA SAHKARI BANK LTD SIDDHARTHNAGAR branch, in NAUGARH, UTTAR PRADESH. 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.