HDFC Bank
CHALAKUDY BRANCH
+919895663333
Understanding IFSC Code: The Digital DNA of HDFC Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the CHALAKUDY
branch of HDFC Bank, the code HDFC0000402 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the HDFC0000402 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"HDFC" represents HDFC Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for CHALAKUDY
Payment Systems Supported by HDFC0000402
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—680240004—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The HDFC Bank in CHALAKUDY typically follows the RBI holiday calendar. Digital transfers via HDFC0000402 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While HDFC0000402 is the valid code for CHALAKUDY at CHALAKUDY, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • HDFC Bank Branch List
- • CHALAKUDY IFSC Codes
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
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Branch Context
- • CHALAKUDY Contact
- • Address of HDFC Bank
- • MICR Code Finder
- • KERALA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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