← All Himachal Pradesh State Co-operative Bank branches & IFSC codes
Himachal Pradesh State Co-operative Bank — NAINI KHAD Branch
CHAMBA, HIMACHAL PRADESH | IFSC: HPSC0000188
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About Himachal Pradesh State Co-operative Bank NAINI KHAD Branch — IFSC Code HPSC0000188
Let me give you the actual useful details here, not just the code. Himachal Pradesh State Co-operative Bank's NAINI KHAD branch is in CHAMBA, NAINI KHAD district, HIMACHAL PRADESH. The IFSC code is HPSC0000188 — verified against RBI records. You'll need this exact code any time you want to receive a bank transfer to an account held at this branch.
Quick breakdown of what this IFSC code tells you: HPSC = Himachal Pradesh State Co-operative Bank (that's how every Himachal Pradesh State Co-operative Bank branch code starts), the 0 in the middle is RBI's reserved placeholder (it's always zero, no exceptions), and 000188 = the unique identifier for this specific NAINI KHAD branch. Every branch in India has its own tail code.
MICR Code for Himachal Pradesh State Co-operative Bank NAINI KHAD
The MICR code here is 176311014. This is a 9-digit code — entirely separate from the IFSC — used for cheque processing. If you're filling out a form that asks for both IFSC and MICR, those are two different fields requiring two different codes.
How to read MICR code 176311014: digits 1–3 (176) = city code, digits 4–6 (311) = bank code, digits 7–9 (014) = branch code. Cheque-clearing machines at banks use magnetic ink technology to read this — it's been the standard since the 1980s and is still actively used.
How to Use IFSC Code HPSC0000188 for Money Transfers
There are three main ways to send money using this IFSC code — NEFT, RTGS, and IMPS. They're not interchangeable, and picking the wrong one can mean delays or unnecessary fees.
NEFT Transfer (Best for most routine transfers)
NEFT (National Electronic Funds Transfer) works in 30-minute settlement batches, runs 24×7 including holidays, and there's no minimum or maximum transfer limit. Banks cannot charge fees for NEFT transfers — RBI eliminated those fees in January 2020. I use NEFT for practically everything: paying suppliers, rent, EMI mandates. Enter IFSC HPSC0000188 as the branch code when setting up a beneficiary.
RTGS Transfer (For ₹2 lakh and above)
RTGS (Real Time Gross Settlement) is the one where funds actually move in real-time — not batched. Minimum amount is ₹2,00,000 and there's no upper cap. Banks typically charge ₹20–₹50. If you're doing a property transaction, business payment, or any large transfer, RTGS with IFSC HPSC0000188 is the right choice. Settlement is essentially immediate.
IMPS Transfer (For urgent transfers of any size, 24×7)
IMPS (Immediate Payment Service) is instant, works on bank holidays and at 2am, and the limit is ₹5 lakh per transaction. Small charges apply (usually ₹5–₹25). Honestly if something is genuinely urgent, IMPS with IFSC HPSC0000188 is the fastest route. Money reaches the recipient's account in under a minute in most cases.
| Transfer Type | Speed | Min Amount | Max Amount | Available |
|---|---|---|---|---|
| NEFT | ~30 min batches | No minimum | No limit | 24×7, 365 days |
| RTGS | Real-time | ₹2,00,000 | No limit | 24×7, 365 days |
| IMPS | Instant (seconds) | No minimum | ₹5,00,000 | 24×7, 365 days |
Services Available at Himachal Pradesh State Co-operative Bank NAINI KHAD
Most Himachal Pradesh State Co-operative Bank branches offer the full stack of banking services: savings and current accounts, fixed deposits, recurring deposits, lockers, home loans, personal loans, education loans, vehicle loans, credit cards, debit cards, and forex services. Internet banking and mobile banking enrollment are available at any branch.
Branch hours are typically Monday to Saturday, 10 AM to 4 PM, with Sundays and bank holidays closed. The 2nd and 4th Saturday of each month are also usually holidays. That said — call ahead before visiting for anything time-sensitive, because individual branches sometimes have different hours.
📍 Branch address: NAINI KHAD PIN, CHAMBA. Use the map above to get directions.
Himachal Pradesh State Co-operative Bank Branches in CHAMBA, HIMACHAL PRADESH
The NAINI KHAD branch is one of Himachal Pradesh State Co-operative Bank's locations serving CHAMBA and NAINI KHAD district in HIMACHAL PRADESH. Use the search on this site to find other Himachal Pradesh State Co-operative Bank branches in CHAMBA or nearby areas — enter 'Himachal Pradesh State Co-operative Bank CHAMBA' in the search bar to see a full list with IFSC codes and addresses.
Questions About IFSC Code HPSC0000188
The IFSC code is HPSC0000188. This is RBI-verified and used for NEFT, RTGS, and IMPS transfers. Copy it exactly — case doesn't matter when entering it in banking portals, but all characters must be correct.
Himachal Pradesh State Co-operative Bank NAINI KHAD branch is located in CHAMBA, NAINI KHAD district, HIMACHAL PRADESH. The address is: NAINI KHAD PIN. Use the map on this page for directions.
The MICR code is 176311014. This is a 9-digit code used specifically for cheque clearing — it's different from the IFSC code and needed in different situations (mainly when filling out cheque-related forms).
Log into your net banking or mobile banking app, go to 'Add Beneficiary' or 'Manage Payees', enter the account holder's name, account number, and use HPSC0000188 as the IFSC code. After adding, there's usually a 30-minute to 4-hour cooling period before you can transfer. The beneficiary details must match the account exactly — even a small name mismatch can cause transfers to fail.
Yes — you can cross-check HPSC0000188 on the RBI website (rbi.org.in) under their IFSC lookup. The data on this site is sourced from RBI and updated regularly. For large transfers, it's always worth the extra 2 minutes to verify directly with the account holder.
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