IFSC Code of HDFC Bank, The Ags Employees Coop Bank Ltd Branch, Karnataka

If you are searching for the IFSC code of HDFC Bank, THE AGS EMPLOYEES COOP BANK LTD branch in BANGALORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is HDFC0CAGSBK. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE AGS EMPLOYEES COOP BANK LTD branch, and detailed step-by-step guides for using the IFSC HDFC0CAGSBK across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 THE AGS EMPLOYEES COOP BANK LTD branch, the IFSC HDFC0CAGSBK breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CAGSBK 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 The Ags Employees Coop Bank Ltd branch in Bangalore, Karnataka is part of this network and uses the IFSC code HDFC0CAGSBK for all electronic settlement.

About this branch

The branch is located at SANGMESH BIRADAR BANGALORE. It serves the Bangalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of HDFC Bank. The IFSC HDFC0CAGSBK is used to identify this branch on the RBI payments network.

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 THE AGS EMPLOYEES COOP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CAGSBK 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 HDFC0CAGSBK 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 HDFC0CAGSBK

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 HDFC0CAGSBK across all three.

NEFT to HDFC Bank, THE AGS EMPLOYEES COOP BANK LTD using IFSC HDFC0CAGSBK

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 HDFC0CAGSBK, and confirm that the system picks up HDFC Bank – THE AGS EMPLOYEES COOP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE AGS EMPLOYEES COOP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's THE AGS EMPLOYEES COOP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CAGSBK 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 – THE AGS EMPLOYEES COOP BANK LTD, use IMPS. With IFSC HDFC0CAGSBK 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 HDFC0CAGSBK for HDFC Bank – THE AGS EMPLOYEES COOP BANK LTD, 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 The Ags Employees Coop Bank Ltd 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 THE AGS EMPLOYEES COOP BANK LTD branch, the IFSC HDFC0CAGSBK 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.

Products and account variants supported

Every account opened at the The Ags Employees Coop Bank Ltd branch is mapped to IFSC HDFC0CAGSBK 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 HDFC0CAGSBK.

Products and services

Customers walking into the The Ags Employees Coop Bank Ltd branch can access most of HDFC Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC HDFC0CAGSBK

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 HDFC0CAGSBK and the account number together uniquely identify the The Ags Employees Coop Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0CAGSBK

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the THE AGS EMPLOYEES COOP BANK LTD 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 HDFC0CAGSBK 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 – THE AGS EMPLOYEES COOP BANK LTD:

• The IFSC is exactly HDFC0CAGSBK 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 THE AGS EMPLOYEES COOP BANK LTD 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.

How to reach the The Ags Employees Coop Bank Ltd branch

The branch is located at SANGMESH BIRADAR BANGALORE, which puts it inside Bangalore, the broader Bangalore Urban district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Ags Employees Coop Bank Ltd branch” — the verified location pin for IFSC HDFC0CAGSBK should appear at the top of the results.
2. Confirm the branch is open by calling 80-22265658 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC HDFC0CAGSBK and your account number.

Verifying IFSC HDFC0CAGSBK 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 HDFC0CAGSBK by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-22265658.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Ags Employees Coop Bank Ltd are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to HDFC0CAGSBK continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CAGSBK belongs to HDFC Bank's THE AGS EMPLOYEES COOP BANK LTD branch, located at SANGMESH BIRADAR BANGALORE in BANGALORE, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.