IFSC Code of HDFC Bank, Salt Lake Karunamoyee Branch, West Bengal

Use this page as a one-stop reference for everything related to HDFC Bank's SALT LAKE KARUNAMOYEE branch in BIDHANNAGAR, WEST BENGAL. The branch's IFSC code HDFC0005049 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.

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 SALT LAKE KARUNAMOYEE branch, the IFSC HDFC0005049 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 005049 identifies this particular branch.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Salt Lake Karunamoyee branch — IFSC HDFC0005049 — extends the bank's services to customers in and around Bidhannagar, West Bengal.

Branch details at a glance

About the Salt Lake Karunamoyee branch

The Salt Lake Karunamoyee branch of HDFC Bank is situated at HDFC BANK LTD GRD FLOOR EE 8 SALT LAKE SECTOR II DIST NORTH 24 PARGANAS BIDHANNAGAR WEST BENGAL 700091. 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 HDFC0005049 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 SALT LAKE KARUNAMOYEE of HDFC Bank — its own 11-character IFSC. The code HDFC0005049 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 HDFC0005049 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Salt Lake Karunamoyee branch

Once you have an account at HDFC Bank – SALT LAKE KARUNAMOYEE, the IFSC HDFC0005049 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.

Products and services

Customers walking into the Salt Lake Karunamoyee 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 HDFC0005049

How to transfer money using IFSC HDFC0005049

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 HDFC0005049 across all three.

How to use IFSC HDFC0005049 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's SALT LAKE KARUNAMOYEE 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0005049.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as SALT LAKE KARUNAMOYEE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0005049

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to HDFC Bank – SALT LAKE KARUNAMOYEE, ensure your bank's portal accepts IFSC HDFC0005049 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank SALT LAKE KARUNAMOYEE (IFSC HDFC0005049)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0005049 in your mobile or internet banking app, and the money is credited to the SALT LAKE KARUNAMOYEE branch account within seconds.

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

All three modes accept the IFSC HDFC0005049 for HDFC Bank – SALT LAKE KARUNAMOYEE, 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 Salt Lake Karunamoyee 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 HDFC0005049

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 – SALT LAKE KARUNAMOYEE is still mapped to IFSC HDFC0005049. 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 HDFC0005049 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Salt Lake Karunamoyee 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 HDFC0005049 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.

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 HDFC0005049 and the account number together uniquely identify the Salt Lake Karunamoyee branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC HDFC0005049

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 – SALT LAKE KARUNAMOYEE, 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: HDFC0005049.
• 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.

How to reach the Salt Lake Karunamoyee branch

The branch is located at HDFC BANK LTD GRD FLOOR EE 8 SALT LAKE SECTOR II DIST NORTH 24 PARGANAS BIDHANNAGAR WEST BENGAL 700091, which puts it inside Bidhannagar, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Salt Lake Karunamoyee branch” — the verified location pin for IFSC HDFC0005049 should appear at the top of the results.
2. Confirm the branch is open by calling 1800-2026161 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 HDFC0005049 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0005049 for HDFC Bank – SALT LAKE KARUNAMOYEE, 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 Salt Lake Karunamoyee branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0005049, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0005049 is the IFSC code of HDFC Bank, SALT LAKE KARUNAMOYEE branch, in BIDHANNAGAR, WEST BENGAL. 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.