IFSC Code of HDFC Bank, Eastern Railway Employees Coop Bank Ltd Branch, West Bengal

Below are the complete branch details for HDFC Bank, EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch, located in KOLKATA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CECB02. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0CECB02 for HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, HDFC0CECB02 is the IFSC of HDFC Bank's EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CECB02 = branch identifier.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Eastern Railway Employees Coop Bank Ltd branch in Kolkata, West Bengal is part of this network and uses the IFSC code HDFC0CECB02 for all electronic settlement.

About the Eastern Railway Employees Coop Bank Ltd branch

The Eastern Railway Employees Coop Bank Ltd branch of HDFC Bank is situated at DRM BUILDING ANNEXE EASTERN RAILWAY HOWRAH 711101. 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 HDFC0CECB02 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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CECB02 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 HDFC0CECB02 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 HDFC0CECB02

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 HDFC0CECB02 across all three.

How to use IFSC HDFC0CECB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's EASTERN RAILWAY EMPLOYEES COOP 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 HDFC0CECB02.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as EASTERN RAILWAY EMPLOYEES COOP 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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CECB02 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank EASTERN RAILWAY EMPLOYEES COOP BANK LTD (IFSC HDFC0CECB02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CECB02 in your mobile or internet banking app, and the money is credited to the EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Eastern Railway Employees Coop 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 HDFC0CECB02:

• 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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD is still linked to IFSC HDFC0CECB02.

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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch, the IFSC HDFC0CECB02 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.

Account types you can open at the Eastern Railway Employees Coop Bank Ltd branch

Once you have an account at HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP BANK LTD, the IFSC HDFC0CECB02 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 Eastern Railway Employees Coop Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9874295304.

• 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 HDFC0CECB02

MICR & cheque-truncation details

Cheques drawn on the Eastern Railway Employees Coop Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CECB02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0CECB02

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the EASTERN RAILWAY EMPLOYEES COOP 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 HDFC0CECB02 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 – EASTERN RAILWAY EMPLOYEES COOP BANK LTD:

• The IFSC is exactly HDFC0CECB02 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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD 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 Eastern Railway Employees Coop Bank Ltd branch

The branch is located at DRM BUILDING ANNEXE EASTERN RAILWAY HOWRAH 711101, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Eastern Railway Employees Coop Bank Ltd branch” — the verified location pin for IFSC HDFC0CECB02 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9874295304 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 HDFC0CECB02 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CECB02 for HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP 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 Eastern Railway Employees Coop Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CECB02, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CECB02 is the IFSC code of HDFC Bank, EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch, in KOLKATA, WEST BENGAL. 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.