If you are searching for the IFSC code of HDFC Bank, ERUMELI SOUTH branch in ERUMELI SOUTH, KERALA, this page has every detail you need. The verified IFSC code for this branch is HDFC0006435. 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 ERUMELI SOUTH branch, and detailed step-by-step guides for using the IFSC HDFC0006435 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.
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, HDFC0006435 is the IFSC of HDFC Bank's ERUMELI SOUTH branch. The format is fixed: HDFC = bank code, 0 = reserved, 006435 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Erumeli South |
| IFSC Code | HDFC0006435 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR NINAN S SQUARE MUDAKAYAM ERUMELI ROAD OPP CHARLA MASJID ERUMELI ERUMELI SOUTH KERALA 686509 |
| City | Erumeli South |
| District | Kottayam |
| State | Kerala |
| STD Code | 1800 |
| Phone | 2026161 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Erumeli South branch in Erumeli South. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HDFC0006435.
About the Erumeli South branch
The Erumeli South branch of HDFC Bank is situated at GRD FLOOR NINAN S SQUARE MUDAKAYAM ERUMELI ROAD OPP CHARLA MASJID ERUMELI ERUMELI SOUTH KERALA 686509. 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 HDFC0006435 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 ERUMELI SOUTH branch came to be assigned the code HDFC0006435.
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 HDFC0006435, money simply cannot be routed to the ERUMELI SOUTH branch electronically.
How to transfer money using IFSC HDFC0006435
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 HDFC0006435 across all three.
NEFT to HDFC Bank, ERUMELI SOUTH using IFSC HDFC0006435
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 HDFC0006435, and confirm that the system picks up HDFC Bank – ERUMELI SOUTH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0006435
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 – ERUMELI SOUTH, ensure your bank's portal accepts IFSC HDFC0006435 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – ERUMELI SOUTH, use IMPS. With IFSC HDFC0006435 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 HDFC0006435 for HDFC Bank – ERUMELI SOUTH, 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 – HDFC0006435 | Yes – HDFC0006435 | Yes – HDFC0006435 |
For most retail customers crediting the Erumeli South 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 HDFC0006435
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 – ERUMELI SOUTH is still mapped to IFSC HDFC0006435. 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 HDFC0006435 and the beneficiary's account number to complete the transfer.
Account types you can open at the Erumeli South branch
Once you have an account at HDFC Bank – ERUMELI SOUTH, the IFSC HDFC0006435 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 Erumeli South branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2026161.
- 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 HDFC0006435
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 HDFC0006435 and the account number together uniquely identify the Erumeli South branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0006435
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the ERUMELI SOUTH 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 HDFC0006435 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.
Common mistakes to avoid when using IFSC HDFC0006435
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 – ERUMELI SOUTH, 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:
HDFC0006435. - 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 Erumeli South branch
The branch is located at GRD FLOOR NINAN S SQUARE MUDAKAYAM ERUMELI ROAD OPP CHARLA MASJID ERUMELI ERUMELI SOUTH KERALA 686509, which puts it inside Erumeli South, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Erumeli South branch” — the verified location pin for IFSC HDFC0006435 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 before stepping out, especially around public holidays.
- 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 HDFC0006435 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0006435 for HDFC Bank – ERUMELI SOUTH, 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 Erumeli South branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0006435, however, work 24x7.
Branch address & contact
HDFC BankErumeli South Branch
GRD FLOOR NINAN S SQUARE MUDAKAYAM ERUMELI ROAD OPP CHARLA MASJID ERUMELI ERUMELI SOUTH KERALA 686509
Erumeli South, Kerala
Phone: 1800-2026161
IFSC: HDFC0006435
Frequently asked questions
Does HDFC Bank Erumeli South branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
Is IFSC HDFC0006435 the same for all accounts at Erumeli South branch?
Yes. The IFSC HDFC0006435 is shared by every account held at HDFC Bank's Erumeli South branch. Only the account number changes from customer to customer.
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 Erumeli South branch but serve different purposes.
What is the phone number of HDFC Bank Erumeli South branch?
You can reach the branch at 1800-2026161 during regular banking hours.
How do I add HDFC Bank Erumeli South as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0006435, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank Erumeli South branch located?
HDFC Bank's Erumeli South branch is located at GRD FLOOR NINAN S SQUARE MUDAKAYAM ERUMELI ROAD OPP CHARLA MASJID ERUMELI ERUMELI SOUTH KERALA 686509, Erumeli South, Kerala.
Is IFSC HDFC0006435 valid for NEFT and RTGS?
Yes. IFSC HDFC0006435 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0006435 belongs to HDFC Bank's ERUMELI SOUTH branch, located at GRD FLOOR NINAN S SQUARE MUDAKAYAM ERUMELI ROAD OPP CHARLA MASJID ERUMELI… in ERUMELI SOUTH, KERALA. 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.
