IFSC Code of HDFC Bank, Ranaghat Peoples Cooperative Bank Branch, West Bengal

If you are searching for the IFSC code of HDFC Bank, RANAGHAT PEOPLES COOPERATIVE BANK branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is HDFC0CRAPCB. 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 RANAGHAT PEOPLES COOPERATIVE BANK branch, and detailed step-by-step guides for using the IFSC HDFC0CRAPCB 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.

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, HDFC0CRAPCB is the IFSC of HDFC Bank's RANAGHAT PEOPLES COOPERATIVE BANK branch. The format is fixed: HDFC = bank code, 0 = reserved, CRAPCB = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ranaghat Peoples Cooperative Bank branch — IFSC HDFC0CRAPCB — extends the bank's services to customers in and around Kolkata, West Bengal.

Branch details at a glance

About the Ranaghat Peoples Cooperative Bank branch

The Ranaghat Peoples Cooperative Bank branch of HDFC Bank is situated at 1, RABINDRA SARANI, RANAGHAT-741201. 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 HDFC0CRAPCB is used.

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 RANAGHAT PEOPLES COOPERATIVE BANK branch came to be assigned the code HDFC0CRAPCB.

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 HDFC0CRAPCB, money simply cannot be routed to the RANAGHAT PEOPLES COOPERATIVE BANK branch electronically.

Products and account variants supported

Every account opened at the Ranaghat Peoples Cooperative Bank branch is mapped to IFSC HDFC0CRAPCB 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 HDFC0CRAPCB.

Products and services

Customers walking into the Ranaghat Peoples Cooperative Bank 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 HDFC0CRAPCB

How to transfer money using IFSC HDFC0CRAPCB

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 HDFC0CRAPCB across all three.

NEFT to HDFC Bank, RANAGHAT PEOPLES COOPERATIVE BANK using IFSC HDFC0CRAPCB

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 HDFC0CRAPCB, and confirm that the system picks up HDFC Bank – RANAGHAT PEOPLES COOPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RANAGHAT PEOPLES COOPERATIVE BANK

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's RANAGHAT PEOPLES COOPERATIVE BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CRAPCB 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 – RANAGHAT PEOPLES COOPERATIVE BANK, use IMPS. With IFSC HDFC0CRAPCB 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 Ranaghat Peoples Cooperative Bank

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 HDFC0CRAPCB:

• 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 RANAGHAT PEOPLES COOPERATIVE BANK is still linked to IFSC HDFC0CRAPCB.

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 HDFC0CRAPCB

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 – RANAGHAT PEOPLES COOPERATIVE BANK is still mapped to IFSC HDFC0CRAPCB. 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 HDFC0CRAPCB and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0CRAPCB

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the RANAGHAT PEOPLES COOPERATIVE BANK 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 HDFC0CRAPCB 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.

MICR & cheque-truncation details

Cheques drawn on the Ranaghat Peoples Cooperative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CRAPCB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC HDFC0CRAPCB

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 – RANAGHAT PEOPLES COOPERATIVE BANK, 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: HDFC0CRAPCB.
• 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 Ranaghat Peoples Cooperative Bank branch

The branch is located at 1, RABINDRA SARANI, RANAGHAT-741201, 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 Ranaghat Peoples Cooperative Bank branch” — the verified location pin for IFSC HDFC0CRAPCB should appear at the top of the results.
2. Confirm the branch is open by calling 3473-210194 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 HDFC0CRAPCB and your account number.

Verifying IFSC HDFC0CRAPCB 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 HDFC0CRAPCB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3473-210194.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ranaghat Peoples Cooperative Bank 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 HDFC0CRAPCB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CRAPCB belongs to HDFC Bank's RANAGHAT PEOPLES COOPERATIVE BANK branch, located at 1, RABINDRA SARANI, RANAGHAT-741201 in KOLKATA, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.