Akhand Anand Co.op Bank
Akhand Anand Co.op Bank IMPS BRANCH
+912612536772
Understanding IFSC Code: The Digital DNA of Akhand Anand Co.op Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Akhand Anand Co.op Bank IMPS
branch of Akhand Anand Co.op Bank, the code HDFC0CAACOB 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 HDFC0CAACOB 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 Akhand Anand Co.op Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Akhand Anand Co.op Bank IMPS
Payment Systems Supported by HDFC0CAACOB
| 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—395002437—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 Akhand Anand Co.op Bank in SURAT typically follows the RBI holiday calendar. Digital transfers via HDFC0CAACOB 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 HDFC0CAACOB is the valid code for Akhand Anand Co.op Bank IMPS at SURAT, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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