IFSC Code of HDFC Bank, Yadrav Co Operative Bank Ltd Branch, Maharashtra

Use this page as a one-stop reference for everything related to HDFC Bank's YADRAV CO OPERATIVE BANK LTD branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code HDFC0CYCBLY 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 – YADRAV CO OPERATIVE BANK LTD is HDFC0CYCBLY. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CYCBLY map to this branch in KOLHAPUR, MAHARASHTRA.

Branch details at a glance

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Yadrav Co Operative Bank Ltd branch — IFSC HDFC0CYCBLY — extends the bank's services to customers in and around Kolhapur, Maharashtra.

About this branch

The branch is located at 9 LANE SUBHASH ROAD NEAR RAM MANDIR JAYSINGPUR TAL SHIROL DIST KOLHAPUR. It serves the Kolhapur 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 HDFC0CYCBLY 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 YADRAV CO OPERATIVE BANK LTD branch came to be assigned the code HDFC0CYCBLY.

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 HDFC0CYCBLY, money simply cannot be routed to the YADRAV CO OPERATIVE BANK LTD branch electronically.

How to transfer money using IFSC HDFC0CYCBLY

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 HDFC0CYCBLY across all three.

How to use IFSC HDFC0CYCBLY for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's YADRAV CO OPERATIVE BANK LTD 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 HDFC0CYCBLY.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as YADRAV CO OPERATIVE BANK LTD.
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 YADRAV CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's YADRAV CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CYCBLY 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 – YADRAV CO OPERATIVE BANK LTD, use IMPS. With IFSC HDFC0CYCBLY 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 Yadrav Co Operative Bank Ltd

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 HDFC0CYCBLY:

• 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 YADRAV CO OPERATIVE BANK LTD is still linked to IFSC HDFC0CYCBLY.

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.

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 YADRAV CO OPERATIVE BANK LTD branch, the IFSC HDFC0CYCBLY 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.

Products and account variants supported

Every account opened at the Yadrav Co Operative Bank Ltd branch is mapped to IFSC HDFC0CYCBLY 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 HDFC0CYCBLY.

Products and services

Customers walking into the Yadrav Co Operative Bank Ltd 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 HDFC0CYCBLY

MICR & cheque-truncation details

Cheques drawn on the Yadrav Co Operative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CYCBLY for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0CYCBLY

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the YADRAV CO OPERATIVE BANK LTD 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 HDFC0CYCBLY 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.

Common mistakes to avoid when using IFSC HDFC0CYCBLY

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – YADRAV CO OPERATIVE BANK LTD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: HDFC0CYCBLY.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Yadrav Co Operative Bank Ltd branch

The branch is located at 9 LANE SUBHASH ROAD NEAR RAM MANDIR JAYSINGPUR TAL SHIROL DIST KOLHAPUR, which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Yadrav Co Operative Bank Ltd branch” — the verified location pin for IFSC HDFC0CYCBLY should appear at the top of the results.
2. Confirm the branch is open by calling 2322-225501 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 HDFC0CYCBLY and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CYCBLY for HDFC Bank – YADRAV CO OPERATIVE BANK LTD, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Yadrav Co Operative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CYCBLY, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CYCBLY is the IFSC code of HDFC Bank, YADRAV CO OPERATIVE BANK LTD branch, in KOLHAPUR, MAHARASHTRA. 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.