IFSC Code of Uttarakhand State Cooperative Bank Limited, Head Office Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Uttarakhand State Cooperative Bank Limited's HEAD OFFICE branch in NAINITAL, UTTARAKHAND. The branch's IFSC code USCB0009001 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 Uttarakhand State Cooperative Bank Limited's HEAD OFFICE branch, the IFSC USCB0009001 breaks down as follows: USCB identifies the bank, 0 is the reserved character, and 009001 identifies this particular branch.

About the bank

Uttarakhand State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Head Office branch in Nainital, Uttarakhand is part of this network and uses the IFSC code USCB0009001 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at ADMIN BUILDING,NEAR SARAS MARKET NAINITAL ROAD HALDWANI 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 USCB0009001 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 HEAD OFFICE branch came to be assigned the code USCB0009001.

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 USCB0009001, money simply cannot be routed to the HEAD OFFICE branch electronically.

Products and account variants supported

Every account opened at the Head Office branch is mapped to IFSC USCB0009001 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 USCB0009001.

Products and services

Customers walking into the Head Office 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 USCB0009001

How to transfer money using IFSC USCB0009001

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 USCB0009001 across all three.

How to use IFSC USCB0009001 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 HEAD OFFICE 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 USCB0009001.
4. Confirm the bank name auto-populates as Uttarakhand State Cooperative Bank Limited and the branch as HEAD OFFICE.
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 HEAD OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at Uttarakhand State Cooperative Bank Limited's HEAD OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC USCB0009001 while initiating the transfer and the credit will appear within minutes.

IMPS to Uttarakhand State Cooperative Bank Limited HEAD OFFICE (IFSC USCB0009001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC USCB0009001 in your mobile or internet banking app, and the money is credited to the HEAD OFFICE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Head Office

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 USCB0009001:

• 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 HEAD OFFICE is still linked to IFSC USCB0009001.

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 USCB0009001

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 – HEAD OFFICE is still mapped to IFSC USCB0009001. 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 USCB0009001 and the beneficiary's account number to complete the transfer.

Online banking and IFSC USCB0009001

Uttarakhand State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HEAD OFFICE branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC USCB0009001 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 USCB0009001 and the account number together uniquely identify the Head Office 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 Uttarakhand State Cooperative Bank Limited – HEAD OFFICE:

• The IFSC is exactly USCB0009001 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 HEAD OFFICE 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 Head Office branch

The branch is located at ADMIN BUILDING,NEAR SARAS MARKET NAINITAL ROAD HALDWANI 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 Head Office branch” — the verified location pin for IFSC USCB0009001 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 USCB0009001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC USCB0009001 for Uttarakhand State Cooperative Bank Limited – HEAD OFFICE, 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 Head Office 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 USCB0009001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code USCB0009001 belongs to Uttarakhand State Cooperative Bank Limited's HEAD OFFICE branch, located at ADMIN BUILDING,NEAR SARAS MARKET NAINITAL ROAD HALDWANI 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.