IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Khora Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Zila Sahakri Bank Limited Ghaziabad, KHORA branch in GHAZIABAD. The 11-digit IFSC ZSBL0000321 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 Zila Sahakri Bank Limited Ghaziabad at the KHORA 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.

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, ZSBL0000321 is the IFSC of Zila Sahakri Bank Limited Ghaziabad's KHORA branch. The format is fixed: ZSBL = bank code, 0 = reserved, 000321 = branch identifier.

About the bank

Zila Sahakri Bank Limited Ghaziabad serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khora branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code ZSBL0000321 for all electronic settlement.

About this branch

The branch is located at KHODA COLONY KHODA. It serves the Ghaziabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Zila Sahakri Bank Limited Ghaziabad. The IFSC ZSBL0000321 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 Zila Sahakri Bank Limited Ghaziabad's KHORA branch came to be assigned the code ZSBL0000321.

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 ZSBL0000321, money simply cannot be routed to the KHORA branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Zila Sahakri Bank Limited Ghaziabad carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC ZSBL0000321 and the account number together uniquely identify the Khora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC ZSBL0000321

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 ZSBL0000321 across all three.

NEFT to Zila Sahakri Bank Limited Ghaziabad, KHORA using IFSC ZSBL0000321

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 ZSBL0000321, and confirm that the system picks up Zila Sahakri Bank Limited Ghaziabad – KHORA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC ZSBL0000321

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 Zila Sahakri Bank Limited Ghaziabad – KHORA, ensure your bank's portal accepts IFSC ZSBL0000321 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Zila Sahakri Bank Limited Ghaziabad – KHORA, use IMPS. With IFSC ZSBL0000321 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC ZSBL0000321 for Zila Sahakri Bank Limited Ghaziabad – KHORA, 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 Khora 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 Zila Sahakri Bank Limited Ghaziabad's KHORA branch, the IFSC ZSBL0000321 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 Khora branch is mapped to IFSC ZSBL0000321 on the RBI payments network. The branch generally supports the full retail product catalogue of Zila Sahakri Bank Limited Ghaziabad, 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 ZSBL0000321.

Products and services

Customers walking into the Khora branch can access most of Zila Sahakri Bank Limited Ghaziabad'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 ZSBL0000321

Online banking and IFSC ZSBL0000321

Zila Sahakri Bank Limited Ghaziabad customers can register for net banking and the bank's official mobile app once their account at the KHORA 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 ZSBL0000321 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.

Reaching the branch

The Khora branch sits at KHODA COLONY KHODA. If you are travelling from outside Ghaziabad, search for the branch on a maps application using the bank name and locality, or call 7217894932 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 ZSBL0000321 and your account number.

Common mistakes to avoid when using IFSC ZSBL0000321

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 Zila Sahakri Bank Limited Ghaziabad – KHORA, 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: ZSBL0000321.
• 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.

Working hours

Branch counters at Khora 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 ZSBL0000321 continue to work without interruption.

Verifying IFSC ZSBL0000321 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm ZSBL0000321 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7217894932.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ZSBL0000321 belongs to Zila Sahakri Bank Limited Ghaziabad's KHORA branch, located at KHODA COLONY KHODA in GHAZIABAD, 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.