HDFC Bank
PALLADAM BRANCH
+919840673333
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 PALLADAM
branch of HDFC Bank, the code HDFC0002194 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 HDFC0002194 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 PALLADAM
Payment Systems Supported by HDFC0002194
| 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—641240103—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 PALLADAM typically follows the RBI holiday calendar. Digital transfers via HDFC0002194 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 HDFC0002194 is the valid code for PALLADAM at PALLADAM, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • HDFC Bank Branch List
- • PALLADAM IFSC Codes
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
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Branch Context
- • PALLADAM Contact
- • Address of HDFC Bank
- • MICR Code Finder
- • TAMIL NADU Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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