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 HDFC0CB0009. 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 HDFC0CB0009 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 HDFC0CB0009. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CB0009 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 HDFC0CB0009 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 GORAYA GT ROAD GORAYA. 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 HDFC0CB0009 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 THE CITIZENS URBAN COOP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CB0009 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 HDFC0CB0009 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC HDFC0CB0009

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 HDFC0CB0009 across all three.

How to use IFSC HDFC0CB0009 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's THE CITIZENS URBAN COOP BANK LTD 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 HDFC0CB0009.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as THE CITIZENS URBAN COOP BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to THE CITIZENS URBAN COOP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's THE CITIZENS URBAN COOP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CB0009 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – THE CITIZENS URBAN COOP BANK LTD, use IMPS. With IFSC HDFC0CB0009 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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 HDFC0CB0009:

• 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 HDFC0CB0009.

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 HDFC0CB0009

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 HDFC0CB0009. 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 HDFC0CB0009 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 HDFC0CB0009 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 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 HDFC0CB0009

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 HDFC0CB0009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 HDFC0CB0009 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 – THE CITIZENS URBAN COOP BANK LTD:

• The IFSC is exactly HDFC0CB0009 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 THE CITIZENS URBAN COOP BANK LTD 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 The Citizens Urban Coop Bank Ltd branch

The branch is located at GORAYA GT ROAD GORAYA, which puts it inside Jalandhar, the broader Jalandhar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Citizens Urban Coop Bank Ltd branch” — the verified location pin for IFSC HDFC0CB0009 should appear at the top of the results.
2. Confirm the branch is open by calling 1826-502216 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 HDFC0CB0009 and your account number.

Verifying IFSC HDFC0CB0009 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 HDFC0CB0009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1826-502216.
• 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 HDFC0CB0009 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CB0009 belongs to HDFC Bank's THE CITIZENS URBAN COOP BANK LTD branch, located at GORAYA GT ROAD GORAYA 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.