Use this page as a one-stop reference for everything related to HDFC Bank's KOTTIYAM branch in KOTTIYAM, KERALA. The branch's IFSC code HDFC0007460 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 KOTTIYAM branch, the IFSC HDFC0007460 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 007460 identifies this particular branch.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kottiyam |
| IFSC Code | HDFC0007460 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR SREERANGAM BUILDING OPP KOTAK BANK KOTTIYAM KOLLAM KERALA KOTTIYAM KERALA 691571 |
| City | Kottiyam |
| District | Kollam |
| State | Kerala |
| STD Code | 1860 |
| Phone | 2676161 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kottiyam branch in Kottiyam, Kerala is part of this network and uses the IFSC code HDFC0007460 for all electronic settlement.
Kottiyam branch overview
Located at GROUND FLOOR SREERANGAM BUILDING OPP KOTAK BANK KOTTIYAM KOLLAM KERALA KOTTIYAM KERALA 691571, the Kottiyam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0007460 is required for all interbank electronic transfers routed through this branch.
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 KOTTIYAM branch came to be assigned the code HDFC0007460.
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 HDFC0007460, money simply cannot be routed to the KOTTIYAM branch electronically.
How to transfer money using IFSC HDFC0007460
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 HDFC0007460 across all three.
NEFT to HDFC Bank, KOTTIYAM using IFSC HDFC0007460
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 HDFC0007460, and confirm that the system picks up HDFC Bank – KOTTIYAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOTTIYAM
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KOTTIYAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007460 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 – KOTTIYAM, use IMPS. With IFSC HDFC0007460 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0007460 for HDFC Bank – KOTTIYAM, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HDFC0007460 | Yes – HDFC0007460 | Yes – HDFC0007460 |
For most retail customers crediting the Kottiyam branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC HDFC0007460
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 – KOTTIYAM is still mapped to IFSC HDFC0007460. 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 HDFC0007460 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kottiyam branch is mapped to IFSC HDFC0007460 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 HDFC0007460.
Banking services available
The Kottiyam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2676161.
- 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 HDFC0007460
MICR & cheque-truncation details
Cheques drawn on the Kottiyam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0007460 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC HDFC0007460
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KOTTIYAM 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 HDFC0007460 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 – KOTTIYAM:
- The IFSC is exactly HDFC0007460 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 KOTTIYAM 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 Kottiyam branch
The branch is located at GROUND FLOOR SREERANGAM BUILDING OPP KOTAK BANK KOTTIYAM KOLLAM KERALA KOTTIYAM KERALA 691571, which puts it inside Kottiyam, the broader Kollam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Kottiyam branch” — the verified location pin for IFSC HDFC0007460 should appear at the top of the results.
- Confirm the branch is open by calling 1860-2676161 before stepping out, especially around public holidays.
- 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 HDFC0007460 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0007460 for HDFC Bank – KOTTIYAM, 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.
Working hours
Branch counters at Kottiyam 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 HDFC0007460 continue to work without interruption.
Branch address & contact
HDFC BankKottiyam Branch
GROUND FLOOR SREERANGAM BUILDING OPP KOTAK BANK KOTTIYAM KOLLAM KERALA KOTTIYAM KERALA 691571
Kottiyam, Kerala
Phone: 1860-2676161
IFSC: HDFC0007460
Frequently asked questions
Does HDFC Bank Kottiyam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2676161 to confirm.
How do I add HDFC Bank Kottiyam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007460, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0007460 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Kottiyam reflect within 30 minutes.
Is IFSC HDFC0007460 valid for NEFT and RTGS?
Yes. IFSC HDFC0007460 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kottiyam branch but serve different purposes.
Is IFSC HDFC0007460 the same for all accounts at Kottiyam branch?
Yes. The IFSC HDFC0007460 is shared by every account held at HDFC Bank's Kottiyam branch. Only the account number changes from customer to customer.
Summary
The IFSC code HDFC0007460 belongs to HDFC Bank's KOTTIYAM branch, located at GROUND FLOOR SREERANGAM BUILDING OPP KOTAK BANK KOTTIYAM KOLLAM KERALA… in KOTTIYAM, KERALA. 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.
