Use this page as a one-stop reference for everything related to HDFC Bank's CHETTIKULAM JUNCTION branch in AGASTHEESWARAM, TAMIL NADU. The branch's IFSC code HDFC0001177 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, HDFC0001177 is the IFSC of HDFC Bank's CHETTIKULAM JUNCTION branch. The format is fixed: HDFC = bank code, 0 = reserved, 001177 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Chettikulam Junction |
| IFSC Code | HDFC0001177 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR 478 A KP ROAD KOTTAR KOTTAR AGASTHEESWARAM TAMIL NADU 629002 |
| City | Agastheeswaram |
| District | Kanyakumari |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 61606161 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chettikulam Junction branch in Agastheeswaram, Tamil Nadu is part of this network and uses the IFSC code HDFC0001177 for all electronic settlement.
About the Chettikulam Junction branch
The Chettikulam Junction branch of HDFC Bank is situated at GROUND FLOOR 478 A KP ROAD KOTTAR KOTTAR AGASTHEESWARAM TAMIL NADU 629002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0001177 is used.
Why every HDFC Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CHETTIKULAM JUNCTION of HDFC Bank — its own 11-character IFSC. The code HDFC0001177 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC HDFC0001177 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC HDFC0001177
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC HDFC0001177 across all three.
How to use IFSC HDFC0001177 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's CHETTIKULAM JUNCTION branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0001177.
- Confirm the bank name auto-populates as HDFC Bank and the branch as CHETTIKULAM JUNCTION.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to CHETTIKULAM JUNCTION
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's CHETTIKULAM JUNCTION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0001177 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – CHETTIKULAM JUNCTION, use IMPS. With IFSC HDFC0001177 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0001177 for HDFC Bank – CHETTIKULAM JUNCTION, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HDFC0001177 | Yes – HDFC0001177 | Yes – HDFC0001177 |
For most retail customers crediting the Chettikulam Junction branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's CHETTIKULAM JUNCTION branch, the IFSC HDFC0001177 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Account types you can open at the Chettikulam Junction branch
Once you have an account at HDFC Bank – CHETTIKULAM JUNCTION, the IFSC HDFC0001177 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Chettikulam Junction branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-61606161.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC HDFC0001177
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by HDFC Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HDFC0001177 and the account number together uniquely identify the Chettikulam Junction branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Chettikulam Junction branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC HDFC0001177 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC HDFC0001177
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – CHETTIKULAM JUNCTION, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
HDFC0001177. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Chettikulam Junction branch sits at GROUND FLOOR 478 A KP ROAD KOTTAR KOTTAR AGASTHEESWARAM TAMIL NADU 629002. If you are travelling from outside Agastheeswaram, search for the branch on a maps application using the bank name and locality, or call 44-61606161 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HDFC0001177 and your account number.
Verifying IFSC HDFC0001177 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm HDFC0001177 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-61606161.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chettikulam Junction branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0001177, however, work 24x7.
Branch address & contact
HDFC BankChettikulam Junction Branch
GROUND FLOOR 478 A KP ROAD KOTTAR KOTTAR AGASTHEESWARAM TAMIL NADU 629002
Agastheeswaram, Tamil Nadu
Phone: 44-61606161
IFSC: HDFC0001177
Frequently asked questions
Can I use IFSC HDFC0001177 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001177 to send funds instantly.
How quickly will an NEFT transfer using HDFC0001177 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Chettikulam Junction reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chettikulam Junction branch but serve different purposes.
How do I add HDFC Bank Chettikulam Junction as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0001177, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0001177 valid for NEFT and RTGS?
Yes. IFSC HDFC0001177 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Chettikulam Junction branch?
The IFSC code of HDFC Bank, Chettikulam Junction branch is HDFC0001177. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of HDFC Bank Chettikulam Junction branch?
You can reach the branch at 44-61606161 during regular banking hours.
Is IFSC HDFC0001177 the same for all accounts at Chettikulam Junction branch?
Yes. The IFSC HDFC0001177 is shared by every account held at HDFC Bank's Chettikulam Junction branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0001177 is the IFSC code of HDFC Bank, CHETTIKULAM JUNCTION branch, in AGASTHEESWARAM, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
