IFSC Code of HDFC Bank, Hussainpur - Ct Branch, Punjab

Use this page as a one-stop reference for everything related to HDFC Bank's HUSSAINPUR - CT branch in KAPURTHALA, PUNJAB. The branch's IFSC code HDFC0003291 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 – HUSSAINPUR - CT is HDFC0003291. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003291 map to this branch in KAPURTHALA, PUNJAB.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Hussainpur - Ct branch — IFSC HDFC0003291 — extends the bank's services to customers in and around Kapurthala, Punjab.

Branch details at a glance

About this branch

The branch is located at HDFC BANK LTD., OPPOSITE RCF GATE NO 1 HUSSAINPUR, HUSSAINPUR, KAPURTHALA PUNJAB 144602. It serves the Kapurthala 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 HDFC0003291 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 HUSSAINPUR - CT of HDFC Bank — its own 11-character IFSC. The code HDFC0003291 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 HDFC0003291 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 Hussainpur - Ct branch is mapped to IFSC HDFC0003291 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 HDFC0003291.

Banking services available

The Hussainpur - Ct branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9815331111.

• 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 HDFC0003291

How to transfer money using IFSC HDFC0003291

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 HDFC0003291 across all three.

How to use IFSC HDFC0003291 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's HUSSAINPUR - CT 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 HDFC0003291.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as HUSSAINPUR - CT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0003291

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 – HUSSAINPUR - CT, ensure your bank's portal accepts IFSC HDFC0003291 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – HUSSAINPUR - CT, use IMPS. With IFSC HDFC0003291 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 Hussainpur - Ct

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 HDFC0003291:

• 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 HUSSAINPUR - CT is still linked to IFSC HDFC0003291.

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 HDFC0003291

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 – HUSSAINPUR - CT is still mapped to IFSC HDFC0003291. 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 HDFC0003291 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0003291

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the HUSSAINPUR - CT 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 HDFC0003291 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 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 HDFC0003291 and the account number together uniquely identify the Hussainpur - Ct branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – HUSSAINPUR - CT:

• The IFSC is exactly HDFC0003291 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 HUSSAINPUR - CT 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 Hussainpur - Ct branch

The branch is located at HDFC BANK LTD., OPPOSITE RCF GATE NO 1 HUSSAINPUR, HUSSAINPUR, KAPURTHALA PUNJAB 144602, which puts it inside Kapurthala, the broader Kapurthala district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Hussainpur - Ct branch” — the verified location pin for IFSC HDFC0003291 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9815331111 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 HDFC0003291 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0003291 for HDFC Bank – HUSSAINPUR - CT, 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.

Working hours

Branch counters at Hussainpur - Ct 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 HDFC0003291 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0003291 is the IFSC code of HDFC Bank, HUSSAINPUR - CT branch, in KAPURTHALA, PUNJAB. 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.