Use this page as a one-stop reference for everything related to HDFC Bank's EDAPALLY branch in KOCHI, KERALA. The branch's IFSC code HDFC0001286 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 – EDAPALLY is HDFC0001286. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001286 map to this branch in KOCHI, KERALA.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Edapally branch — IFSC HDFC0001286 — extends the bank's services to customers in and around Kochi, Kerala.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Edapally |
| IFSC Code | HDFC0001286 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOORNATIONAL NANDANAMPALACE ROAD, EDAPALLY |
| City | Kochi |
| District | Ernakulam |
| State | Kerala |
| STD Code | 91 |
| Phone | 9895663333 |
About this branch
The branch is located at GROUND FLOORNATIONAL NANDANAMPALACE ROAD, EDAPALLY. It serves the Kochi 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 HDFC0001286 is used to identify this branch on the RBI payments network.
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 EDAPALLY branch came to be assigned the code HDFC0001286.
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 HDFC0001286, money simply cannot be routed to the EDAPALLY branch electronically.
Products and account variants supported
Every account opened at the Edapally branch is mapped to IFSC HDFC0001286 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 HDFC0001286.
Products and services
Customers walking into the Edapally 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 HDFC0001286
How to transfer money using IFSC HDFC0001286
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 HDFC0001286 across all three.
NEFT to HDFC Bank, EDAPALLY using IFSC HDFC0001286
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 HDFC0001286, and confirm that the system picks up HDFC Bank – EDAPALLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to EDAPALLY
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's EDAPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0001286 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – EDAPALLY, use IMPS. With IFSC HDFC0001286 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 HDFC0001286 for HDFC Bank – EDAPALLY, 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 – HDFC0001286 | Yes – HDFC0001286 | Yes – HDFC0001286 |
For most retail customers crediting the Edapally 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's EDAPALLY branch, the IFSC HDFC0001286 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Edapally 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 HDFC0001286 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 Edapally branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0001286 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 – EDAPALLY:
- The IFSC is exactly HDFC0001286 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 EDAPALLY 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 Edapally branch
The branch is located at GROUND FLOORNATIONAL NANDANAMPALACE ROAD, EDAPALLY, which puts it inside Kochi, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Edapally branch” — the verified location pin for IFSC HDFC0001286 should appear at the top of the results.
- Confirm the branch is open by calling 91-9895663333 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 HDFC0001286 and your account number.
Verifying IFSC HDFC0001286 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 HDFC0001286 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9895663333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Edapally 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 HDFC0001286 continue to work without interruption.
Branch address & contact
HDFC BankEdapally Branch
GROUND FLOORNATIONAL NANDANAMPALACE ROAD, EDAPALLY
Kochi, Kerala
Phone: 91-9895663333
IFSC: HDFC0001286
Frequently asked questions
Is IFSC HDFC0001286 the same for all accounts at Edapally branch?
Yes. The IFSC HDFC0001286 is shared by every account held at HDFC Bank's Edapally branch. Only the account number changes from customer to customer.
Where is HDFC Bank Edapally branch located?
HDFC Bank's Edapally branch is located at GROUND FLOORNATIONAL NANDANAMPALACE ROAD, EDAPALLY, Kochi, Kerala.
How quickly will an NEFT transfer using HDFC0001286 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Edapally reflect within 30 minutes.
Can I use IFSC HDFC0001286 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001286 to send funds instantly.
Is IFSC HDFC0001286 valid for NEFT and RTGS?
Yes. IFSC HDFC0001286 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Edapally branch?
The IFSC code of HDFC Bank, Edapally branch is HDFC0001286. 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 Edapally branch but serve different purposes.
Final notes
To recap: HDFC0001286 is the IFSC code of HDFC Bank, EDAPALLY branch, in KOCHI, KERALA. 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.
