Himachal Pradesh State Co-operative Bank — SARASWATI NAGAR

SHIMLA, HIMACHAL PRADESH

IFSC Code

HPSC0000448

MICR Code

171311032

Branch

SARASWATI NAGAR

Bank

Himachal Pradesh State Co-operative Bank

District

SARASWATI NAGAR

State

HIMACHAL PRADESH

Contact

+911781238995

Address

SARASWATI NAGAR PIN 171206

Get Directions to This Branch

Using IFSC HPSC0000448 for money transfers

To move funds into an account held at SARASWATI NAGAR (Himachal Pradesh State Co-operative Bank) using NEFT, the sender's bank needs this branch's IFSC code — HPSC0000448. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to SARASWATI NAGAR in SHIMLA, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Himachal Pradesh State Co-operative Bank, SARASWATI NAGAR right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to SARASWATI NAGAR: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting SARASWATI NAGAR In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Follow these steps to transfer money into an account held at SARASWATI NAGAR:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code HPSC0000448 when prompted — this routes the transfer to SARASWATI NAGAR specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Himachal Pradesh State Co-operative Bank SARASWATI NAGAR branch?

The IFSC code for Himachal Pradesh State Co-operative Bank's SARASWATI NAGAR branch in SHIMLA, SARASWATI NAGAR, HIMACHAL PRADESH is HPSC0000448. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 171311032. MICR codes are used for cheque clearing, while the IFSC code (HPSC0000448) is what's needed for electronic transfers like NEFT and RTGS.

Where is the SARASWATI NAGAR branch of Himachal Pradesh State Co-operative Bank located?

This branch is located at: SARASWATI NAGAR PIN 171206. It falls under SARASWATI NAGAR district, HIMACHAL PRADESH.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (HPSC0000448) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +911781238995.

Himachal Pradesh State Co-operative Bank in other districts of HIMACHAL PRADESH

SHIMLA (19)SARKAGHAT (10)CHAMBA (7)KOTKHAI (7)KUMARSAIN (6)RAMPUR (6)BILASPUR (5)CHOPAL (5)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.