IFSC Code of HDFC Bank, Kunihar Hat Kot Branch, Himachal Pradesh

Below are the complete branch details for HDFC Bank, KUNIHAR HAT KOT branch, located in ARKI, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0004327. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0004327 for HDFC Bank – KUNIHAR HAT KOT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For HDFC Bank's KUNIHAR HAT KOT branch, the IFSC HDFC0004327 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 004327 identifies this particular branch.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kunihar Hat Kot branch in Arki, Himachal Pradesh is part of this network and uses the IFSC code HDFC0004327 for all electronic settlement.

About the Kunihar Hat Kot branch

The Kunihar Hat Kot branch of HDFC Bank is situated at HDFC BANK LTD VILL HAT KOT PO KUNNIHAR TEHSIL ARKI SOLAN HIMACHAL PRADESH173207. 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 HDFC0004327 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how HDFC Bank's KUNIHAR HAT KOT branch came to be assigned the code HDFC0004327.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC HDFC0004327, money simply cannot be routed to the KUNIHAR HAT KOT branch electronically.

How to transfer money using IFSC HDFC0004327

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 HDFC0004327 across all three.

NEFT to HDFC Bank, KUNIHAR HAT KOT using IFSC HDFC0004327

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC HDFC0004327, and confirm that the system picks up HDFC Bank – KUNIHAR HAT KOT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUNIHAR HAT KOT

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KUNIHAR HAT KOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0004327 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank KUNIHAR HAT KOT (IFSC HDFC0004327)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004327 in your mobile or internet banking app, and the money is credited to the KUNIHAR HAT KOT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0004327 for HDFC Bank – KUNIHAR HAT KOT, 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.

For most retail customers crediting the Kunihar Hat Kot 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.

UPI payments and IFSC HDFC0004327

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at HDFC Bank – KUNIHAR HAT KOT is still mapped to IFSC HDFC0004327. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC HDFC0004327 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kunihar Hat Kot branch is mapped to IFSC HDFC0004327 on the RBI payments network. The branch generally supports the full retail product catalogue of HDFC Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains HDFC0004327.

Banking services available

The Kunihar Hat Kot branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9996243333.

• 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 HDFC0004327

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 HDFC0004327 and the account number together uniquely identify the Kunihar Hat Kot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0004327

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KUNIHAR HAT KOT branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC HDFC0004327 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to HDFC Bank – KUNIHAR HAT KOT:

• The IFSC is exactly HDFC0004327 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills HDFC Bank as the bank name and KUNIHAR HAT KOT as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Kunihar Hat Kot branch sits at HDFC BANK LTD VILL HAT KOT PO KUNNIHAR TEHSIL ARKI SOLAN HIMACHAL PRADESH173207. If you are travelling from outside Arki, search for the branch on a maps application using the bank name and locality, or call 91-9996243333 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 HDFC0004327 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0004327 for HDFC Bank – KUNIHAR HAT KOT, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Kunihar Hat Kot branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0004327, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0004327 is the IFSC code of HDFC Bank, KUNIHAR HAT KOT branch, in ARKI, HIMACHAL PRADESH. 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.