IFSC Code of HDFC Bank, The Santragachi Co-Operative Bank Ltd Branch, West Bengal

Use this page as a one-stop reference for everything related to HDFC Bank's THE SANTRAGACHI CO-OPERATIVE BANK LTD branch in KOLKATA, WEST BENGAL. The branch's IFSC code HDFC0CTSGCB 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For HDFC Bank's THE SANTRAGACHI CO-OPERATIVE BANK LTD branch, the IFSC HDFC0CTSGCB breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CTSGCB identifies this particular branch.

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Santragachi Co-Operative Bank Ltd branch in Kolkata, West Bengal is part of this network and uses the IFSC code HDFC0CTSGCB for all electronic settlement.

About the The Santragachi Co-Operative Bank Ltd branch

The The Santragachi Co-Operative Bank Ltd branch of HDFC Bank is situated at SANTRAGACHI COOPERATIVE BANK, KONA ROAD, SHASHTHITALA, SANTRAGACHI, HOWRAH - 711104. 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 HDFC0CTSGCB is used.

Branch details at a glance

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 THE SANTRAGACHI CO-OPERATIVE BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CTSGCB 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 HDFC0CTSGCB the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the The Santragachi 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 HDFC0CTSGCB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC HDFC0CTSGCB

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 HDFC0CTSGCB across all three.

NEFT to HDFC Bank, THE SANTRAGACHI CO-OPERATIVE BANK LTD using IFSC HDFC0CTSGCB

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 HDFC0CTSGCB, and confirm that the system picks up HDFC Bank – THE SANTRAGACHI CO-OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0CTSGCB

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to HDFC Bank – THE SANTRAGACHI CO-OPERATIVE BANK LTD, ensure your bank's portal accepts IFSC HDFC0CTSGCB while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank THE SANTRAGACHI CO-OPERATIVE BANK LTD (IFSC HDFC0CTSGCB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CTSGCB in your mobile or internet banking app, and the money is credited to the THE SANTRAGACHI CO-OPERATIVE BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Santragachi 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 HDFC0CTSGCB:

• 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 THE SANTRAGACHI CO-OPERATIVE BANK LTD is still linked to IFSC HDFC0CTSGCB.

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 THE SANTRAGACHI CO-OPERATIVE BANK LTD branch, the IFSC HDFC0CTSGCB 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 The Santragachi Co-Operative Bank Ltd branch is mapped to IFSC HDFC0CTSGCB 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 HDFC0CTSGCB.

Products and services

Customers walking into the The Santragachi 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 HDFC0CTSGCB

Digital banking channels

Most day-to-day work that customers used to do at the The Santragachi Co-Operative Bank Ltd 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 HDFC0CTSGCB 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.

How to reach the The Santragachi Co-Operative Bank Ltd branch

The branch is located at SANTRAGACHI COOPERATIVE BANK, KONA ROAD, SHASHTHITALA, SANTRAGACHI, HOWRAH - 711104, 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 The Santragachi Co-Operative Bank Ltd branch” — the verified location pin for IFSC HDFC0CTSGCB should appear at the top of the results.
2. Confirm the branch is open by calling 91-9051060388 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 HDFC0CTSGCB and your account number.

Common mistakes to avoid when using IFSC HDFC0CTSGCB

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 – THE SANTRAGACHI 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: HDFC0CTSGCB.
• 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.

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 The Santragachi 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 HDFC0CTSGCB, however, work 24x7.

Verifying IFSC HDFC0CTSGCB 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 HDFC0CTSGCB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9051060388.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CTSGCB is the IFSC code of HDFC Bank, THE SANTRAGACHI CO-OPERATIVE 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.