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

Below are the complete branch details for Zila Sahakri Bank Limited Ghaziabad, MURADNAGAR branch, located in MURADNAGAR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is ZSBL0000091. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ZSBL0000091 for Zila Sahakri Bank Limited Ghaziabad – MURADNAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, ZSBL0000091 is the IFSC of Zila Sahakri Bank Limited Ghaziabad's MURADNAGAR branch. The format is fixed: ZSBL = bank code, 0 = reserved, 000091 = branch identifier.

Branch details at a glance

About Zila Sahakri Bank Limited Ghaziabad

Zila Sahakri Bank Limited Ghaziabad operates a wide network of branches across India, including the Muradnagar branch in Muradnagar. 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, ZSBL0000091.

Muradnagar branch overview

Located at KASBA ROAD MURAD NAGAR, the Muradnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ZSBL0000091 is required for all interbank electronic transfers routed through this branch.

Why every Zila Sahakri Bank Limited Ghaziabad branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MURADNAGAR of Zila Sahakri Bank Limited Ghaziabad — its own 11-character IFSC. The code ZSBL0000091 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC ZSBL0000091 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC ZSBL0000091

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 ZSBL0000091 across all three.

NEFT to Zila Sahakri Bank Limited Ghaziabad, MURADNAGAR using IFSC ZSBL0000091

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 ZSBL0000091, and confirm that the system picks up Zila Sahakri Bank Limited Ghaziabad – MURADNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MURADNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Zila Sahakri Bank Limited Ghaziabad's MURADNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ZSBL0000091 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 – MURADNAGAR, use IMPS. With IFSC ZSBL0000091 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 Muradnagar

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 ZSBL0000091:

• 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 MURADNAGAR is still linked to IFSC ZSBL0000091.

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.

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 MURADNAGAR branch, the IFSC ZSBL0000091 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 Muradnagar branch is mapped to IFSC ZSBL0000091 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 ZSBL0000091.

Banking services available

The Muradnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7217894909.

• 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 ZSBL0000091

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 ZSBL0000091 and the account number together uniquely identify the Muradnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC ZSBL0000091

Zila Sahakri Bank Limited Ghaziabad customers can register for net banking and the bank's official mobile app once their account at the MURADNAGAR 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 ZSBL0000091 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.

Common mistakes to avoid when using IFSC ZSBL0000091

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 – MURADNAGAR, 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: ZSBL0000091.
• 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.

Reaching the branch

The Muradnagar branch sits at KASBA ROAD MURAD NAGAR. If you are travelling from outside Muradnagar, search for the branch on a maps application using the bank name and locality, or call 7217894909 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 ZSBL0000091 and your account number.

Verifying IFSC ZSBL0000091 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 ZSBL0000091 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7217894909.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Muradnagar 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 ZSBL0000091 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: ZSBL0000091 is the IFSC code of Zila Sahakri Bank Limited Ghaziabad, MURADNAGAR branch, in MURADNAGAR, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.