Himachal Pradesh State Co-operative Bank — SARASWATI NAGAR Branch

How to Use HPSC0000448 for Money Transfers

The IFSC code HPSC0000448 is specifically assigned to the SARASWATI NAGAR branch of Himachal Pradesh State Co-operative Bank located in SHIMLA, HIMACHAL PRADESH. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use HPSC0000448 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use HPSC0000448 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require HPSC0000448 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Himachal Pradesh State Co-operative Bank SARASWATI NAGAR Branch

The SARASWATI NAGAR branch of Himachal Pradesh State Co-operative Bank is situated in SHIMLA, HIMACHAL PRADESH. The branch address is SARASWATI NAGAR PIN 171206. This branch supports electronic payment services including NEFT, RTGS, IMPS. You can contact this branch at +911781238995. Always use the IFSC code HPSC0000448 when making any online fund transfer to an account held at this branch.