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

If you are searching for the IFSC code of Zila Sahakri Bank Limited Ghaziabad, MODINAGAR MAIN branch in MODINAGAR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is ZSBL0000031. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MODINAGAR MAIN branch, and detailed step-by-step guides for using the IFSC ZSBL0000031 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN is ZSBL0000031. The first four letters ZSBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000031 map to this branch in MODINAGAR, UTTAR PRADESH.

Branch details at a glance

Bank profile

Zila Sahakri Bank Limited Ghaziabad is among the recognised banks listed on the Reserve Bank of India's payments network. The Modinagar Main branch — IFSC ZSBL0000031 — extends the bank's services to customers in and around Modinagar, Uttar Pradesh.

Modinagar Main branch overview

Located at G.T.ROAD MODINAGAR, the Modinagar Main branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ZSBL0000031 is required for all interbank electronic transfers routed through this branch.

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 MODINAGAR MAIN branch came to be assigned the code ZSBL0000031.

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 ZSBL0000031, money simply cannot be routed to the MODINAGAR MAIN branch electronically.

How to transfer money using IFSC ZSBL0000031

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 ZSBL0000031 across all three.

NEFT to Zila Sahakri Bank Limited Ghaziabad, MODINAGAR MAIN using IFSC ZSBL0000031

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 ZSBL0000031, and confirm that the system picks up Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MODINAGAR MAIN

If you need to transfer ₹2 lakh or more in one go to an account at Zila Sahakri Bank Limited Ghaziabad's MODINAGAR MAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ZSBL0000031 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN, use IMPS. With IFSC ZSBL0000031 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 ZSBL0000031 for Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN, 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 Modinagar Main 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.

UPI payments and IFSC ZSBL0000031

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 Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN is still mapped to IFSC ZSBL0000031. 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 ZSBL0000031 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Modinagar Main branch is mapped to IFSC ZSBL0000031 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 ZSBL0000031.

Banking services available

The Modinagar Main branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7217894903.

• 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 ZSBL0000031

MICR & cheque-truncation details

Cheques drawn on the Modinagar Main branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ZSBL0000031 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Modinagar Main 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 ZSBL0000031 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.

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 Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN:

• The IFSC is exactly ZSBL0000031 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Zila Sahakri Bank Limited Ghaziabad as the bank name and MODINAGAR MAIN 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 Modinagar Main branch

The branch is located at G.T.ROAD MODINAGAR, which puts it inside Modinagar, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Zila Sahakri Bank Limited Ghaziabad Modinagar Main branch” — the verified location pin for IFSC ZSBL0000031 should appear at the top of the results.
2. Confirm the branch is open by calling 7217894903 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 ZSBL0000031 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC ZSBL0000031 for Zila Sahakri Bank Limited Ghaziabad – MODINAGAR MAIN, 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 Modinagar Main 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 ZSBL0000031 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code ZSBL0000031 belongs to Zila Sahakri Bank Limited Ghaziabad's MODINAGAR MAIN branch, located at G.T.ROAD MODINAGAR in MODINAGAR, 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.