Below are the complete branch details for HDFC Bank, KALA BAKRA branch, located in KALA BAKRA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0003275. 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 HDFC0003275 for HDFC Bank – KALA BAKRA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, HDFC0003275 is the IFSC of HDFC Bank's KALA BAKRA branch. The format is fixed: HDFC = bank code, 0 = reserved, 003275 = branch identifier.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Kala Bakra branch in Kala Bakra. 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, HDFC0003275.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kala Bakra |
| IFSC Code | HDFC0003275 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD NEAR SENIOR SECONDARY SCHOOL, VPO KALA BAKRA, VPO KALA BAKRA, KALA BAKRA PUNJAB 144024 |
| City | Kala Bakra |
| District | Jalandhar |
| State | Punjab |
| STD Code | 91 |
| Phone | 9815331111 |
About the Kala Bakra branch
The Kala Bakra branch of HDFC Bank is situated at HDFC BANK LTD NEAR SENIOR SECONDARY SCHOOL, VPO KALA BAKRA, VPO KALA BAKRA, KALA BAKRA PUNJAB 144024. 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 HDFC0003275 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 KALA BAKRA of HDFC Bank — its own 11-character IFSC. The code HDFC0003275 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 HDFC0003275 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 Kala Bakra branch is mapped to IFSC HDFC0003275 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 HDFC0003275.
Products and services
Customers walking into the Kala Bakra 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 HDFC0003275
How to transfer money using IFSC HDFC0003275
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 HDFC0003275 across all three.
NEFT to HDFC Bank, KALA BAKRA using IFSC HDFC0003275
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 HDFC0003275, and confirm that the system picks up HDFC Bank – KALA BAKRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0003275
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 – KALA BAKRA, ensure your bank's portal accepts IFSC HDFC0003275 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank KALA BAKRA (IFSC HDFC0003275)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003275 in your mobile or internet banking app, and the money is credited to the KALA BAKRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0003275 for HDFC Bank – KALA BAKRA, 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 – HDFC0003275 | Yes – HDFC0003275 | Yes – HDFC0003275 |
For most retail customers crediting the Kala Bakra 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 HDFC0003275
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 – KALA BAKRA is still mapped to IFSC HDFC0003275. 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 HDFC0003275 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kala Bakra 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 HDFC0003275 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.
MICR & cheque-truncation details
Cheques drawn on the Kala Bakra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003275 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KALA BAKRA:
- The IFSC is exactly HDFC0003275 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 KALA BAKRA 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.
Reaching the branch
The Kala Bakra branch sits at HDFC BANK LTD NEAR SENIOR SECONDARY SCHOOL, VPO KALA BAKRA, VPO KALA BAKRA, KALA BAKRA PUNJAB 144024. If you are travelling from outside Kala Bakra, search for the branch on a maps application using the bank name and locality, or call 91-9815331111 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 HDFC0003275 and your account number.
Verifying IFSC HDFC0003275 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 HDFC0003275 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9815331111.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kala Bakra 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 HDFC0003275 continue to work without interruption.
Branch address & contact
HDFC BankKala Bakra Branch
HDFC BANK LTD NEAR SENIOR SECONDARY SCHOOL, VPO KALA BAKRA, VPO KALA BAKRA, KALA BAKRA PUNJAB 144024
Kala Bakra, Punjab
Phone: 91-9815331111
IFSC: HDFC0003275
Frequently asked questions
Is IFSC HDFC0003275 the same for all accounts at Kala Bakra branch?
Yes. The IFSC HDFC0003275 is shared by every account held at HDFC Bank's Kala Bakra branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Kala Bakra branch?
You can reach the branch at 91-9815331111 during regular banking hours.
How do I add HDFC Bank Kala Bakra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003275, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank Kala Bakra branch located?
HDFC Bank's Kala Bakra branch is located at HDFC BANK LTD NEAR SENIOR SECONDARY SCHOOL, VPO KALA BAKRA, VPO KALA BAKRA, KALA BAKRA PUNJAB 144024, Kala Bakra, Punjab.
Can I use IFSC HDFC0003275 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003275 to send funds instantly.
What is the IFSC code of HDFC Bank Kala Bakra branch?
The IFSC code of HDFC Bank, Kala Bakra branch is HDFC0003275. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Kala Bakra branch but serve different purposes.
Summary
The IFSC code HDFC0003275 belongs to HDFC Bank's KALA BAKRA branch, located at HDFC BANK LTD NEAR SENIOR SECONDARY SCHOOL, VPO KALA BAKRA, VPO KALA BAKRA,… in KALA BAKRA, 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.
