IFSC Code of HDFC Bank, The Citizens Urban Coop Bank Ltd Branch, Punjab

If you are searching for the IFSC code of HDFC Bank, THE CITIZENS URBAN COOP BANK LTD branch in JALANDHAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is HDFC0CB0001. 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 CITIZENS URBAN COOP BANK LTD branch, and detailed step-by-step guides for using the IFSC HDFC0CB0001 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for HDFC Bank – THE CITIZENS URBAN COOP BANK LTD is HDFC0CB0001. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CB0001 map to this branch in JALANDHAR, PUNJAB.

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 Citizens Urban Coop Bank Ltd branch in Jalandhar, Punjab is part of this network and uses the IFSC code HDFC0CB0001 for all electronic settlement.

About the The Citizens Urban Coop Bank Ltd branch

The The Citizens Urban Coop Bank Ltd branch of HDFC Bank is situated at 506 NEW JAWAHAR NAGAR MODEL TOWN ROAD. 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 HDFC0CB0001 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 THE CITIZENS URBAN COOP BANK LTD branch came to be assigned the code HDFC0CB0001.

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 HDFC0CB0001, money simply cannot be routed to the THE CITIZENS URBAN COOP BANK LTD branch electronically.

How to transfer money using IFSC HDFC0CB0001

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 HDFC0CB0001 across all three.

NEFT to HDFC Bank, THE CITIZENS URBAN COOP BANK LTD using IFSC HDFC0CB0001

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 HDFC0CB0001, and confirm that the system picks up HDFC Bank – THE CITIZENS URBAN COOP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0CB0001

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 – THE CITIZENS URBAN COOP BANK LTD, ensure your bank's portal accepts IFSC HDFC0CB0001 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank THE CITIZENS URBAN COOP BANK LTD (IFSC HDFC0CB0001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CB0001 in your mobile or internet banking app, and the money is credited to the THE CITIZENS URBAN COOP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Citizens Urban Coop Bank Ltd

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC HDFC0CB0001:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at THE CITIZENS URBAN COOP BANK LTD is still linked to IFSC HDFC0CB0001.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC HDFC0CB0001

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 – THE CITIZENS URBAN COOP BANK LTD is still mapped to IFSC HDFC0CB0001. 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 HDFC0CB0001 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Citizens Urban Coop Bank Ltd branch

Once you have an account at HDFC Bank – THE CITIZENS URBAN COOP BANK LTD, the IFSC HDFC0CB0001 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 The Citizens Urban Coop Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-5031576.

• 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 HDFC0CB0001

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 HDFC0CB0001 and the account number together uniquely identify the The Citizens Urban Coop Bank Ltd 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 The Citizens Urban Coop Bank Ltd 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 HDFC0CB0001 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.

Common mistakes to avoid when using IFSC HDFC0CB0001

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 – THE CITIZENS URBAN COOP BANK LTD, 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: HDFC0CB0001.
• 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.

Reaching the branch

The The Citizens Urban Coop Bank Ltd branch sits at 506 NEW JAWAHAR NAGAR MODEL TOWN ROAD. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call 181-5031576 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 HDFC0CB0001 and your account number.

Verifying IFSC HDFC0CB0001 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 HDFC0CB0001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 181-5031576.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Citizens Urban 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 HDFC0CB0001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CB0001 is the IFSC code of HDFC Bank, THE CITIZENS URBAN COOP BANK LTD branch, in JALANDHAR, PUNJAB. 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.