IFSC Code of Uttarakhand State Cooperative Bank Limited, Almora Branch Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Uttarakhand State Cooperative Bank Limited, ALMORA BRANCH branch in ALMORA. The 11-digit IFSC USCB0001012 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Uttarakhand State Cooperative Bank Limited at the ALMORA BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Uttarakhand State Cooperative Bank Limited – ALMORA BRANCH is USCB0001012. The first four letters USCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001012 map to this branch in ALMORA, UTTARAKHAND.

About Uttarakhand State Cooperative Bank Limited

Uttarakhand State Cooperative Bank Limited operates a wide network of branches across India, including the Almora Branch branch in Almora. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, USCB0001012.

Branch details at a glance

About this branch

The branch is located at LOWER MALL ROAD NEAR BS HOSPITAL ALMORA,ALMORA 263601. It serves the Almora region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Uttarakhand State Cooperative Bank Limited. The IFSC USCB0001012 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 Uttarakhand State Cooperative Bank Limited's ALMORA BRANCH branch came to be assigned the code USCB0001012.

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 USCB0001012, money simply cannot be routed to the ALMORA BRANCH branch electronically.

Account types you can open at the Almora Branch branch

Once you have an account at Uttarakhand State Cooperative Bank Limited – ALMORA BRANCH, the IFSC USCB0001012 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 Almora Branch 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 USCB0001012

How to transfer money using IFSC USCB0001012

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 USCB0001012 across all three.

NEFT to Uttarakhand State Cooperative Bank Limited, ALMORA BRANCH using IFSC USCB0001012

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 USCB0001012, and confirm that the system picks up Uttarakhand State Cooperative Bank Limited – ALMORA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALMORA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Uttarakhand State Cooperative Bank Limited's ALMORA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC USCB0001012 while initiating the transfer and the credit will appear within minutes.

IMPS to Uttarakhand State Cooperative Bank Limited ALMORA BRANCH (IFSC USCB0001012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC USCB0001012 in your mobile or internet banking app, and the money is credited to the ALMORA BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Almora Branch

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 USCB0001012:

• 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 ALMORA BRANCH is still linked to IFSC USCB0001012.

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 USCB0001012

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 Uttarakhand State Cooperative Bank Limited – ALMORA BRANCH is still mapped to IFSC USCB0001012. 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 USCB0001012 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 Almora Branch 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 USCB0001012 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 & cheque-truncation details

Cheques drawn on the Almora Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC USCB0001012 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 Uttarakhand State Cooperative Bank Limited – ALMORA BRANCH:

• The IFSC is exactly USCB0001012 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Uttarakhand State Cooperative Bank Limited as the bank name and ALMORA BRANCH 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 Almora Branch branch sits at LOWER MALL ROAD NEAR BS HOSPITAL ALMORA,ALMORA 263601. If you are travelling from outside Almora, search for the branch on a maps application using the bank name and locality, or call 0 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 USCB0001012 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC USCB0001012 for Uttarakhand State Cooperative Bank Limited – ALMORA BRANCH, 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 Almora Branch 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 USCB0001012 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code USCB0001012 belongs to Uttarakhand State Cooperative Bank Limited's ALMORA BRANCH branch, located at LOWER MALL ROAD NEAR BS HOSPITAL ALMORA,ALMORA 263601 in ALMORA, 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.