Hongkong & Shanghai Banking Corporation
GARIAHAT KOLKATA BRANCH
Understanding IFSC Code: The Digital DNA of Hongkong & Shanghai Banking Corporation
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the GARIAHAT KOLKATA
branch of Hongkong & Shanghai Banking Corporation, the code HSBC0700005 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 HSBC0700005 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"HSBC" represents Hongkong & Shanghai Banking Corporation
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for GARIAHAT KOLKATA
Payment Systems Supported by HSBC0700005
| 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—700039005—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 Hongkong & Shanghai Banking Corporation in KOLKATA typically follows the RBI holiday calendar. Digital transfers via HSBC0700005 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 HSBC0700005 is the valid code for GARIAHAT KOLKATA at KOLKATA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
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Branch Context
- • GARIAHAT KOLKATA Contact
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- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
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- • IFSC Finder v2.0
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