IFSC Code of HDFC Bank, Kovilambakkam Branch, Tamil Nadu

If you are searching for the IFSC code of HDFC Bank, KOVILAMBAKKAM branch in KOILAMBAKKAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is HDFC0009475. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KOVILAMBAKKAM branch, and detailed step-by-step guides for using the IFSC HDFC0009475 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – KOVILAMBAKKAM is HDFC0009475. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009475 map to this branch in KOILAMBAKKAM, TAMIL NADU.

Branch details at a glance

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Kovilambakkam branch in Koilambakkam. 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, HDFC0009475.

About the Kovilambakkam branch

The Kovilambakkam branch of HDFC Bank is situated at GROUND FLOOR NO 11 545 MEDAVAKKAM MAIN ROAD KOVILAMBAKKCHENNAI KOILAMBAKKAM TAMIL NADU 600117. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0009475 is used.

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 KOVILAMBAKKAM of HDFC Bank — its own 11-character IFSC. The code HDFC0009475 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 HDFC0009475 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 HDFC0009475

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 HDFC0009475 across all three.

How to use IFSC HDFC0009475 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's KOVILAMBAKKAM 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 HDFC0009475.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as KOVILAMBAKKAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KOVILAMBAKKAM

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KOVILAMBAKKAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0009475 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank KOVILAMBAKKAM (IFSC HDFC0009475)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009475 in your mobile or internet banking app, and the money is credited to the KOVILAMBAKKAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kovilambakkam

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 HDFC0009475:

• 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 KOVILAMBAKKAM is still linked to IFSC HDFC0009475.

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 HDFC0009475

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 – KOVILAMBAKKAM is still mapped to IFSC HDFC0009475. 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 HDFC0009475 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kovilambakkam branch

Once you have an account at HDFC Bank – KOVILAMBAKKAM, the IFSC HDFC0009475 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Kovilambakkam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-61606161.

• 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 HDFC0009475

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 HDFC0009475 and the account number together uniquely identify the Kovilambakkam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0009475

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KOVILAMBAKKAM 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 HDFC0009475 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.

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 – KOVILAMBAKKAM:

• The IFSC is exactly HDFC0009475 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 KOVILAMBAKKAM 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 Kovilambakkam branch sits at GROUND FLOOR NO 11 545 MEDAVAKKAM MAIN ROAD KOVILAMBAKKCHENNAI KOILAMBAKKAM TAMIL NADU 600117. If you are travelling from outside Koilambakkam, search for the branch on a maps application using the bank name and locality, or call 44-61606161 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 HDFC0009475 and your account number.

Verifying IFSC HDFC0009475 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 HDFC0009475 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-61606161.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kovilambakkam 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 HDFC0009475 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0009475 is the IFSC code of HDFC Bank, KOVILAMBAKKAM branch, in KOILAMBAKKAM, TAMIL NADU. 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.