IFSC Code of Uttar Pradesh Cooperative Bank Limited, Zila Sahakari Bank Ltd Mau Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Uttar Pradesh Cooperative Bank Limited's ZILA SAHAKARI BANK LTD MAU branch in SAHADATPURA, UTTAR PRADESH. The branch's IFSC code UPCB00ZSMAU 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UPCB00ZSMAU is the IFSC of Uttar Pradesh Cooperative Bank Limited's ZILA SAHAKARI BANK LTD MAU branch. The format is fixed: UPCB = bank code, 0 = reserved, 0ZSMAU = branch identifier.

About the bank

Uttar Pradesh Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Zila Sahakari Bank Ltd Mau branch in Sahadatpura, Uttar Pradesh is part of this network and uses the IFSC code UPCB00ZSMAU for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at ZILA SAHAKARI BANK LTD, 275, INDIRA COMPLEX, 2ND FLOOR, SAHADATPURA, MAU 275001. It serves the Sahadatpura 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 UPCB00ZSMAU is used to identify this branch on the RBI payments network.

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 SAHAKARI BANK LTD MAU branch came to be assigned the code UPCB00ZSMAU.

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 UPCB00ZSMAU, money simply cannot be routed to the ZILA SAHAKARI BANK LTD MAU branch electronically.

Account types you can open at the Zila Sahakari Bank Ltd Mau branch

Once you have an account at Uttar Pradesh Cooperative Bank Limited – ZILA SAHAKARI BANK LTD MAU, the IFSC UPCB00ZSMAU 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 Sahakari Bank Ltd Mau branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 UPCB00ZSMAU

How to transfer money using IFSC UPCB00ZSMAU

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 UPCB00ZSMAU across all three.

How to use IFSC UPCB00ZSMAU 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 SAHAKARI BANK LTD MAU 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 UPCB00ZSMAU.
4. Confirm the bank name auto-populates as Uttar Pradesh Cooperative Bank Limited and the branch as ZILA SAHAKARI BANK LTD MAU.
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 UPCB00ZSMAU

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 SAHAKARI BANK LTD MAU, ensure your bank's portal accepts IFSC UPCB00ZSMAU 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 SAHAKARI BANK LTD MAU, use IMPS. With IFSC UPCB00ZSMAU 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 Sahakari Bank Ltd Mau

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 UPCB00ZSMAU:

• 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 SAHAKARI BANK LTD MAU is still linked to IFSC UPCB00ZSMAU.

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.

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 SAHAKARI BANK LTD MAU branch, the IFSC UPCB00ZSMAU 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.

Digital banking channels

Most day-to-day work that customers used to do at the Zila Sahakari Bank Ltd Mau 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 UPCB00ZSMAU 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 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 UPCB00ZSMAU and the account number together uniquely identify the Zila Sahakari Bank Ltd Mau 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 Uttar Pradesh Cooperative Bank Limited – ZILA SAHAKARI BANK LTD MAU:

• The IFSC is exactly UPCB00ZSMAU with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Uttar Pradesh Cooperative Bank Limited as the bank name and ZILA SAHAKARI BANK LTD MAU 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.

How to reach the Zila Sahakari Bank Ltd Mau branch

The branch is located at ZILA SAHAKARI BANK LTD, 275, INDIRA COMPLEX, 2ND FLOOR, SAHADATPURA, MAU 275001, which puts it inside Sahadatpura, the broader Sahadatpura 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 Sahakari Bank Ltd Mau branch” — the verified location pin for IFSC UPCB00ZSMAU 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 UPCB00ZSMAU and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UPCB00ZSMAU for Uttar Pradesh Cooperative Bank Limited – ZILA SAHAKARI BANK LTD MAU, 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 Sahakari Bank Ltd Mau 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 UPCB00ZSMAU continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UPCB00ZSMAU belongs to Uttar Pradesh Cooperative Bank Limited's ZILA SAHAKARI BANK LTD MAU branch, located at ZILA SAHAKARI BANK LTD, 275, INDIRA COMPLEX, 2ND FLOOR, SAHADATPURA, MAU 275001 in SAHADATPURA, 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.