IFSC Code of HDFC Bank, The Kalna Town Credit Co-Op Bankltd Branch, West Bengal

Use this page as a one-stop reference for everything related to HDFC Bank's THE KALNA TOWN CREDIT CO-OP BANKLTD branch in KALNA, WEST BENGAL. The branch's IFSC code HDFC0CKTCCB 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.

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 KALNA TOWN CREDIT CO-OP BANKLTD is HDFC0CKTCCB. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CKTCCB map to this branch in KALNA, WEST BENGAL.

Branch details at a glance

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the The Kalna Town Credit Co-Op Bankltd branch in Kalna. 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, HDFC0CKTCCB.

About this branch

The branch is located at KANSARI PARA, POST - KALNA, DISTRICT - BURDWAN. It serves the Kalna 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 HDFC0CKTCCB 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 KALNA TOWN CREDIT CO-OP BANKLTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CKTCCB 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 HDFC0CKTCCB 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 HDFC0CKTCCB

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 HDFC0CKTCCB across all three.

NEFT to HDFC Bank, THE KALNA TOWN CREDIT CO-OP BANKLTD using IFSC HDFC0CKTCCB

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 HDFC0CKTCCB, and confirm that the system picks up HDFC Bank – THE KALNA TOWN CREDIT CO-OP BANKLTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE KALNA TOWN CREDIT CO-OP BANKLTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's THE KALNA TOWN CREDIT CO-OP BANKLTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CKTCCB while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank THE KALNA TOWN CREDIT CO-OP BANKLTD (IFSC HDFC0CKTCCB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CKTCCB in your mobile or internet banking app, and the money is credited to the THE KALNA TOWN CREDIT CO-OP BANKLTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Kalna Town Credit Co-Op Bankltd

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 HDFC0CKTCCB:

• 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 KALNA TOWN CREDIT CO-OP BANKLTD is still linked to IFSC HDFC0CKTCCB.

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 HDFC0CKTCCB

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 KALNA TOWN CREDIT CO-OP BANKLTD is still mapped to IFSC HDFC0CKTCCB. 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 HDFC0CKTCCB and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Kalna Town Credit Co-Op Bankltd branch is mapped to IFSC HDFC0CKTCCB 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 HDFC0CKTCCB.

Banking services available

The The Kalna Town Credit Co-Op Bankltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3454-255105.

• 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 HDFC0CKTCCB

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 HDFC0CKTCCB and the account number together uniquely identify the The Kalna Town Credit Co-Op Bankltd 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 Kalna Town Credit Co-Op Bankltd 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 HDFC0CKTCCB 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 HDFC0CKTCCB

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 KALNA TOWN CREDIT CO-OP BANKLTD, 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: HDFC0CKTCCB.
• 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 Kalna Town Credit Co-Op Bankltd branch

The branch is located at KANSARI PARA, POST - KALNA, DISTRICT - BURDWAN, which puts it inside Kalna, the broader Barddhaman district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Kalna Town Credit Co-Op Bankltd branch” — the verified location pin for IFSC HDFC0CKTCCB should appear at the top of the results.
2. Confirm the branch is open by calling 3454-255105 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 HDFC0CKTCCB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CKTCCB for HDFC Bank – THE KALNA TOWN CREDIT CO-OP BANKLTD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Kalna Town Credit Co-Op Bankltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CKTCCB, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CKTCCB is the IFSC code of HDFC Bank, THE KALNA TOWN CREDIT CO-OP BANKLTD branch, in KALNA, WEST BENGAL. 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.