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

Use this page as a one-stop reference for everything related to Uttarakhand State Cooperative Bank Limited's HALDWANI BRANCH branch in NAINITAL, UTTARAKHAND. The branch's IFSC code USCB0001001 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.

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 – HALDWANI BRANCH is USCB0001001. The first four letters USCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001001 map to this branch in NAINITAL, UTTARAKHAND.

About Uttarakhand State Cooperative Bank Limited

Uttarakhand State Cooperative Bank Limited operates a wide network of branches across India, including the Haldwani Branch branch in Nainital. 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, USCB0001001.

Branch details at a glance

About this branch

The branch is located at KALADUNGI ROAD,NEAR MUKHANI CHAURAHA HALDWANI NAINTAL UTTRAKHAND 263139. It serves the Nainital 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 USCB0001001 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 HALDWANI BRANCH branch came to be assigned the code USCB0001001.

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 USCB0001001, money simply cannot be routed to the HALDWANI BRANCH branch electronically.

Products and account variants supported

Every account opened at the Haldwani Branch branch is mapped to IFSC USCB0001001 on the RBI payments network. The branch generally supports the full retail product catalogue of Uttarakhand State 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 USCB0001001.

Products and services

Customers walking into the Haldwani Branch branch can access most of Uttarakhand State 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 USCB0001001

How to transfer money using IFSC USCB0001001

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 USCB0001001 across all three.

How to use IFSC USCB0001001 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Uttarakhand State Cooperative Bank Limited's HALDWANI BRANCH 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 USCB0001001.
4. Confirm the bank name auto-populates as Uttarakhand State Cooperative Bank Limited and the branch as HALDWANI BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to HALDWANI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Uttarakhand State Cooperative Bank Limited's HALDWANI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC USCB0001001 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Uttarakhand State Cooperative Bank Limited – HALDWANI BRANCH, use IMPS. With IFSC USCB0001001 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 Haldwani 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 USCB0001001:

• 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 HALDWANI BRANCH is still linked to IFSC USCB0001001.

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 USCB0001001

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 – HALDWANI BRANCH is still mapped to IFSC USCB0001001. 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 USCB0001001 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 Haldwani 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 USCB0001001 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 Uttarakhand State 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 USCB0001001 and the account number together uniquely identify the Haldwani Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC USCB0001001

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 Uttarakhand State Cooperative Bank Limited – HALDWANI BRANCH, 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: USCB0001001.
• 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.

How to reach the Haldwani Branch branch

The branch is located at KALADUNGI ROAD,NEAR MUKHANI CHAURAHA HALDWANI NAINTAL UTTRAKHAND 263139, which puts it inside Nainital, the broader Haldwani district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Uttarakhand State Cooperative Bank Limited Haldwani Branch branch” — the verified location pin for IFSC USCB0001001 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 USCB0001001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC USCB0001001 for Uttarakhand State Cooperative Bank Limited – HALDWANI 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 Haldwani 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 USCB0001001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code USCB0001001 belongs to Uttarakhand State Cooperative Bank Limited's HALDWANI BRANCH branch, located at KALADUNGI ROAD,NEAR MUKHANI CHAURAHA HALDWANI NAINTAL UTTRAKHAND 263139 in NAINITAL, 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.