Use this page as a one-stop reference for everything related to HDFC Bank's THE CITIZENS URBAN COOP BANK LTD branch in JALANDHAR, PUNJAB. The branch's IFSC code HDFC0CB0005 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.
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, HDFC0CB0005 is the IFSC of HDFC Bank's THE CITIZENS URBAN COOP BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CB0005 = branch identifier.
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 HDFC0CB0005 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | The Citizens Urban Coop Bank Ltd |
| IFSC Code | HDFC0CB0005 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KISHAN PURA CHOWKNEAR KAMAL PALACE |
| City | Jalandhar |
| District | Jalandhar |
| State | Punjab |
| STD Code | 181 |
| Phone | 5031517 |
About this branch
The branch is located at KISHAN PURA CHOWKNEAR KAMAL PALACE. It serves the Jalandhar 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 HDFC0CB0005 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 CITIZENS URBAN COOP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CB0005 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 HDFC0CB0005 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the The Citizens Urban Coop Bank Ltd branch is mapped to IFSC HDFC0CB0005 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 HDFC0CB0005.
Products and services
Customers walking into the The Citizens Urban 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 HDFC0CB0005
How to transfer money using IFSC HDFC0CB0005
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 HDFC0CB0005 across all three.
NEFT to HDFC Bank, THE CITIZENS URBAN COOP BANK LTD using IFSC HDFC0CB0005
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 HDFC0CB0005, 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 HDFC0CB0005
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 HDFC0CB0005 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – THE CITIZENS URBAN COOP BANK LTD, use IMPS. With IFSC HDFC0CB0005 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 HDFC0CB0005 for HDFC Bank – THE CITIZENS URBAN 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.
| 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 – HDFC0CB0005 | Yes – HDFC0CB0005 | Yes – HDFC0CB0005 |
For most retail customers crediting the The Citizens Urban 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 CITIZENS URBAN COOP BANK LTD branch, the IFSC HDFC0CB0005 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.
Online banking and IFSC HDFC0CB0005
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the THE CITIZENS URBAN 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 HDFC0CB0005 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.
MICR & cheque-truncation details
Cheques drawn on the The Citizens Urban Coop Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CB0005 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0CB0005
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:
HDFC0CB0005. - 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 The Citizens Urban Coop Bank Ltd branch
The branch is located at KISHAN PURA CHOWKNEAR KAMAL PALACE, which puts it inside Jalandhar, the broader Jalandhar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank The Citizens Urban Coop Bank Ltd branch” — the verified location pin for IFSC HDFC0CB0005 should appear at the top of the results.
- Confirm the branch is open by calling 181-5031517 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 HDFC0CB0005 and your account number.
Verifying IFSC HDFC0CB0005 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 HDFC0CB0005 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 181-5031517.
- Visiting the bank's official branch locator page.
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 The Citizens Urban Coop Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CB0005, however, work 24x7.
Branch address & contact
HDFC BankThe Citizens Urban Coop Bank Ltd Branch
KISHAN PURA CHOWKNEAR KAMAL PALACE
Jalandhar, Punjab
Phone: 181-5031517
IFSC: HDFC0CB0005
Frequently asked questions
Is IFSC HDFC0CB0005 valid for NEFT and RTGS?
Yes. IFSC HDFC0CB0005 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add HDFC Bank The Citizens Urban Coop Bank Ltd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0CB0005, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank The Citizens Urban Coop Bank Ltd branch located?
HDFC Bank's The Citizens Urban Coop Bank Ltd branch is located at KISHAN PURA CHOWKNEAR KAMAL PALACE, Jalandhar, Punjab.
Does HDFC Bank The Citizens Urban Coop Bank Ltd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 181-5031517 to confirm.
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 The Citizens Urban Coop Bank Ltd branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0CB0005 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – The Citizens Urban Coop Bank Ltd reflect within 30 minutes.
What is the phone number of HDFC Bank The Citizens Urban Coop Bank Ltd branch?
You can reach the branch at 181-5031517 during regular banking hours.
Can I use IFSC HDFC0CB0005 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0CB0005 to send funds instantly.
Summary
The IFSC code HDFC0CB0005 belongs to HDFC Bank's THE CITIZENS URBAN COOP BANK LTD branch, located at KISHAN PURA CHOWKNEAR KAMAL PALACE in JALANDHAR, PUNJAB. 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.
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