IFSC Code of HDFC Bank, Citizen Co-Operative Bank Ltd.Noida Branch, Uttar Pradesh

Below are the complete branch details for HDFC Bank, CITIZEN CO-OPERATIVE BANK LTD.NOIDA branch, located in GHAZIABAD, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CCBL05. 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 HDFC0CCBL05 for HDFC Bank – CITIZEN CO-OPERATIVE BANK LTD.NOIDA — 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 CITIZEN CO-OPERATIVE BANK LTD.NOIDA branch, the IFSC HDFC0CCBL05 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CCBL05 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 Citizen Co-Operative Bank Ltd.Noida branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code HDFC0CCBL05 for all electronic settlement.

About the Citizen Co-Operative Bank Ltd.Noida branch

The Citizen Co-Operative Bank Ltd.Noida branch of HDFC Bank is situated at D- 11, SECTOR -23, SANJAY NAGAR, GHAZIABAD. 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 HDFC0CCBL05 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 CITIZEN CO-OPERATIVE BANK LTD.NOIDA branch came to be assigned the code HDFC0CCBL05.

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 HDFC0CCBL05, money simply cannot be routed to the CITIZEN CO-OPERATIVE BANK LTD.NOIDA branch electronically.

How to transfer money using IFSC HDFC0CCBL05

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 HDFC0CCBL05 across all three.

How to use IFSC HDFC0CCBL05 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's CITIZEN CO-OPERATIVE BANK LTD.NOIDA 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 HDFC0CCBL05.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as CITIZEN CO-OPERATIVE BANK LTD.NOIDA.
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 HDFC0CCBL05

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 – CITIZEN CO-OPERATIVE BANK LTD.NOIDA, ensure your bank's portal accepts IFSC HDFC0CCBL05 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank CITIZEN CO-OPERATIVE BANK LTD.NOIDA (IFSC HDFC0CCBL05)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CCBL05 in your mobile or internet banking app, and the money is credited to the CITIZEN CO-OPERATIVE BANK LTD.NOIDA branch account within seconds.

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

All three modes accept the IFSC HDFC0CCBL05 for HDFC Bank – CITIZEN CO-OPERATIVE BANK LTD.NOIDA, 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 Citizen Co-Operative Bank Ltd.Noida 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 HDFC0CCBL05

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 – CITIZEN CO-OPERATIVE BANK LTD.NOIDA is still mapped to IFSC HDFC0CCBL05. 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 HDFC0CCBL05 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Citizen Co-Operative Bank Ltd.Noida branch is mapped to IFSC HDFC0CCBL05 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 HDFC0CCBL05.

Products and services

Customers walking into the Citizen Co-Operative Bank Ltd.Noida 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 HDFC0CCBL05

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 HDFC0CCBL05 and the account number together uniquely identify the Citizen Co-Operative Bank Ltd.Noida 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 Citizen Co-Operative Bank Ltd.Noida 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 HDFC0CCBL05 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.

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 – CITIZEN CO-OPERATIVE BANK LTD.NOIDA:

• The IFSC is exactly HDFC0CCBL05 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 CITIZEN CO-OPERATIVE BANK LTD.NOIDA 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 Citizen Co-Operative Bank Ltd.Noida branch

The branch is located at D- 11, SECTOR -23, SANJAY NAGAR, GHAZIABAD, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Citizen Co-Operative Bank Ltd.Noida branch” — the verified location pin for IFSC HDFC0CCBL05 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9818793080 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 HDFC0CCBL05 and your account number.

Verifying IFSC HDFC0CCBL05 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 HDFC0CCBL05 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9818793080.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Citizen Co-Operative Bank Ltd.Noida 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 HDFC0CCBL05 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CCBL05 belongs to HDFC Bank's CITIZEN CO-OPERATIVE BANK LTD.NOIDA branch, located at D- 11, SECTOR -23, SANJAY NAGAR, GHAZIABAD in GHAZIABAD, UTTAR PRADESH. 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.