HDFC Bank
RATNARI BRANCH
+919996243333
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 RATNARI
branch of HDFC Bank, the code HDFC0003776 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 HDFC0003776 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 RATNARI
Payment Systems Supported by HDFC0003776
| 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—171240012—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 KOTKHAI typically follows the RBI holiday calendar. Digital transfers via HDFC0003776 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 HDFC0003776 is the valid code for RATNARI at KOTKHAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • HDFC Bank Branch List
- • KOTKHAI IFSC Codes
- • Swift Code for HDFC Bank
- • Bank Holiday in HIMACHAL PRADESH
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • RATNARI Contact
- • Address of HDFC Bank
- • MICR Code Finder
- • HIMACHAL PRADESH Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: HDFC Bank HDFC0003776 code, find RATNARI branch details, HDFC Bank KOTKHAI contact number, HIMACHAL PRADESH bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for HDFC Bank KOTKHAI, online neft rtgs imps guide india, how to find ifsc code of HDFC Bank.