Use this page as a one-stop reference for everything related to HDFC Bank's MODEL TOWN KARNAL branch in KARNAL, HARYANA. The branch's IFSC code HDFC0003653 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For HDFC Bank's MODEL TOWN KARNAL branch, the IFSC HDFC0003653 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003653 identifies this particular branch.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Model Town Karnal branch — IFSC HDFC0003653 — extends the bank's services to customers in and around Karnal, Haryana.
About this branch
The branch is located at 295 L MODEL TOWN DIST KARNAL. It serves the Karnal 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 HDFC0003653 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Model Town Karnal |
| IFSC Code | HDFC0003653 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 295 L MODEL TOWN DIST KARNAL |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 9996243333 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how HDFC Bank's MODEL TOWN KARNAL branch came to be assigned the code HDFC0003653.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC HDFC0003653, money simply cannot be routed to the MODEL TOWN KARNAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Model Town Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003653 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC HDFC0003653
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 HDFC0003653 across all three.
How to use IFSC HDFC0003653 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's MODEL TOWN KARNAL 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0003653.
- Confirm the bank name auto-populates as HDFC Bank and the branch as MODEL TOWN KARNAL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0003653
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 – MODEL TOWN KARNAL, ensure your bank's portal accepts IFSC HDFC0003653 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – MODEL TOWN KARNAL, use IMPS. With IFSC HDFC0003653 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 Model Town Karnal
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 HDFC0003653:
- 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 MODEL TOWN KARNAL is still linked to IFSC HDFC0003653.
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 HDFC0003653
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 – MODEL TOWN KARNAL is still mapped to IFSC HDFC0003653. 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 HDFC0003653 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Model Town Karnal branch is mapped to IFSC HDFC0003653 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 HDFC0003653.
Products and services
Customers walking into the Model Town Karnal 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 HDFC0003653
Digital banking channels
Most day-to-day work that customers used to do at the Model Town Karnal 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 HDFC0003653 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.
How to reach the Model Town Karnal branch
The branch is located at 295 L MODEL TOWN DIST KARNAL, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Model Town Karnal branch” — the verified location pin for IFSC HDFC0003653 should appear at the top of the results.
- Confirm the branch is open by calling 91-9996243333 before stepping out, especially around public holidays.
- 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 HDFC0003653 and your account number.
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 – MODEL TOWN KARNAL:
- The IFSC is exactly HDFC0003653 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 MODEL TOWN KARNAL 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.
Working hours
Branch counters at Model Town Karnal 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 HDFC0003653 continue to work without interruption.
Verifying IFSC HDFC0003653 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 HDFC0003653 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9996243333.
- Visiting the bank's official branch locator page.
Branch address & contact
HDFC BankModel Town Karnal Branch
295 L MODEL TOWN DIST KARNAL
Karnal, Haryana
Phone: 91-9996243333
IFSC: HDFC0003653
Frequently asked questions
Where is HDFC Bank Model Town Karnal branch located?
HDFC Bank's Model Town Karnal branch is located at 295 L MODEL TOWN DIST KARNAL, Karnal, Haryana.
What is the IFSC code of HDFC Bank Model Town Karnal branch?
The IFSC code of HDFC Bank, Model Town Karnal branch is HDFC0003653. 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 Model Town Karnal branch but serve different purposes.
How do I add HDFC Bank Model Town Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003653, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0003653 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Model Town Karnal reflect within 30 minutes.
Is IFSC HDFC0003653 the same for all accounts at Model Town Karnal branch?
Yes. The IFSC HDFC0003653 is shared by every account held at HDFC Bank's Model Town Karnal branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0003653 is the IFSC code of HDFC Bank, MODEL TOWN KARNAL branch, in KARNAL, HARYANA. 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.
