This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, KALYANI branch in KALYANI. The 11-digit IFSC HDFC0000320 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the KALYANI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, HDFC0000320 is the IFSC of HDFC Bank's KALYANI branch. The format is fixed: HDFC = bank code, 0 = reserved, 000320 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kalyani |
| IFSC Code | HDFC0000320 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B7/40 AND B7/41 SOUTH,CENTRAL AVENUE WEST,CENTRAL PARK, NADIA,KALYANIWEST BENGAL 741235 |
| City | Kalyani |
| District | Nadia |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9831073333 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kalyani branch in Kalyani, West Bengal is part of this network and uses the IFSC code HDFC0000320 for all electronic settlement.
Kalyani branch overview
Located at B7/40 AND B7/41 SOUTH,CENTRAL AVENUE WEST,CENTRAL PARK, NADIA,KALYANIWEST BENGAL 741235, the Kalyani branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0000320 is required for all interbank electronic transfers routed through this branch.
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 KALYANI of HDFC Bank — its own 11-character IFSC. The code HDFC0000320 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 HDFC0000320 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 HDFC0000320
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 HDFC0000320 across all three.
NEFT to HDFC Bank, KALYANI using IFSC HDFC0000320
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 HDFC0000320, and confirm that the system picks up HDFC Bank – KALYANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0000320
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 – KALYANI, ensure your bank's portal accepts IFSC HDFC0000320 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – KALYANI, use IMPS. With IFSC HDFC0000320 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 HDFC0000320 for HDFC Bank – KALYANI, 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 – HDFC0000320 | Yes – HDFC0000320 | Yes – HDFC0000320 |
For most retail customers crediting the Kalyani 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 HDFC0000320
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 – KALYANI is still mapped to IFSC HDFC0000320. 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 HDFC0000320 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kalyani branch is mapped to IFSC HDFC0000320 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 HDFC0000320.
Banking services available
The Kalyani branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9831073333.
- 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 HDFC0000320
MICR & cheque-truncation details
Cheques drawn on the Kalyani branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0000320 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 Kalyani 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 HDFC0000320 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 – KALYANI:
- The IFSC is exactly HDFC0000320 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 KALYANI 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 Kalyani branch sits at B7/40 AND B7/41 SOUTH,CENTRAL AVENUE WEST,CENTRAL PARK, NADIA,KALYANIWEST BENGAL 741235. If you are travelling from outside Kalyani, search for the branch on a maps application using the bank name and locality, or call 91-9831073333 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 HDFC0000320 and your account number.
Verifying IFSC HDFC0000320 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 HDFC0000320 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9831073333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kalyani 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 HDFC0000320 continue to work without interruption.
Branch address & contact
HDFC BankKalyani Branch
B7/40 AND B7/41 SOUTH,CENTRAL AVENUE WEST,CENTRAL PARK, NADIA,KALYANIWEST BENGAL 741235
Kalyani, West Bengal
Phone: 91-9831073333
IFSC: HDFC0000320
Frequently asked questions
What is the IFSC code of HDFC Bank Kalyani branch?
The IFSC code of HDFC Bank, Kalyani branch is HDFC0000320. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is HDFC Bank Kalyani branch located?
HDFC Bank's Kalyani branch is located at B7/40 AND B7/41 SOUTH,CENTRAL AVENUE WEST,CENTRAL PARK, NADIA,KALYANIWEST BENGAL 741235, Kalyani, West Bengal.
How quickly will an NEFT transfer using HDFC0000320 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Kalyani reflect within 30 minutes.
How do I add HDFC Bank Kalyani as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000320, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0000320 valid for NEFT and RTGS?
Yes. IFSC HDFC0000320 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC HDFC0000320 the same for all accounts at Kalyani branch?
Yes. The IFSC HDFC0000320 is shared by every account held at HDFC Bank's Kalyani branch. Only the account number changes from customer to customer.
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 Kalyani branch but serve different purposes.
Summary
The IFSC code HDFC0000320 belongs to HDFC Bank's KALYANI branch, located at B7/40 AND B7/41 SOUTH,CENTRAL AVENUE WEST,CENTRAL PARK, NADIA,KALYANIWEST… in KALYANI, WEST BENGAL. 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.
