Use this page as a one-stop reference for everything related to HDFC Bank's KUKARVADA branch in KUKARWADA, GUJARAT. The branch's IFSC code HDFC0003020 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.
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, HDFC0003020 is the IFSC of HDFC Bank's KUKARVADA branch. The format is fixed: HDFC = bank code, 0 = reserved, 003020 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kukarvada |
| IFSC Code | HDFC0003020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD GROUND FLOOR, SHOT NO. 5 TO 8 HARIKUNJ PLAZA, NR APMC,KUKARWADA MAHESANA GUJARAT 382830 |
| City | Kukarwada |
| District | Mahesana |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9898271111 |
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kukarvada branch — IFSC HDFC0003020 — extends the bank's services to customers in and around Kukarwada, Gujarat.
About this branch
The branch is located at HDFC BANK LTD GROUND FLOOR, SHOT NO. 5 TO 8 HARIKUNJ PLAZA, NR APMC,KUKARWADA MAHESANA GUJARAT 382830. It serves the Kukarwada 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 HDFC0003020 is used to identify this branch on the RBI payments network.
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 KUKARVADA of HDFC Bank — its own 11-character IFSC. The code HDFC0003020 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 HDFC0003020 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 HDFC0003020
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 HDFC0003020 across all three.
NEFT to HDFC Bank, KUKARVADA using IFSC HDFC0003020
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 HDFC0003020, and confirm that the system picks up HDFC Bank – KUKARVADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0003020
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 – KUKARVADA, ensure your bank's portal accepts IFSC HDFC0003020 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – KUKARVADA, use IMPS. With IFSC HDFC0003020 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 HDFC0003020 for HDFC Bank – KUKARVADA, 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 – HDFC0003020 | Yes – HDFC0003020 | Yes – HDFC0003020 |
For most retail customers crediting the Kukarvada 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.
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 KUKARVADA branch, the IFSC HDFC0003020 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 Kukarvada branch is mapped to IFSC HDFC0003020 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 HDFC0003020.
Products and services
Customers walking into the Kukarvada 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 HDFC0003020
MICR & cheque-truncation details
Cheques drawn on the Kukarvada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003020 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kukarvada 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 HDFC0003020 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.
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 – KUKARVADA:
- The IFSC is exactly HDFC0003020 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 KUKARVADA 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 Kukarvada branch
The branch is located at HDFC BANK LTD GROUND FLOOR, SHOT NO. 5 TO 8 HARIKUNJ PLAZA, NR APMC,KUKARWADA MAHESANA GUJARAT 382830, which puts it inside Kukarwada, the broader Mahesana district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Kukarvada branch” — the verified location pin for IFSC HDFC0003020 should appear at the top of the results.
- Confirm the branch is open by calling 91-9898271111 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 HDFC0003020 and your account number.
Verifying IFSC HDFC0003020 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 HDFC0003020 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9898271111.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kukarvada 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 HDFC0003020 continue to work without interruption.
Branch address & contact
HDFC BankKukarvada Branch
HDFC BANK LTD GROUND FLOOR, SHOT NO. 5 TO 8 HARIKUNJ PLAZA, NR APMC,KUKARWADA MAHESANA GUJARAT 382830
Kukarwada, Gujarat
Phone: 91-9898271111
IFSC: HDFC0003020
Frequently asked questions
Does HDFC Bank Kukarvada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9898271111 to confirm.
Where is HDFC Bank Kukarvada branch located?
HDFC Bank's Kukarvada branch is located at HDFC BANK LTD GROUND FLOOR, SHOT NO. 5 TO 8 HARIKUNJ PLAZA, NR APMC,KUKARWADA MAHESANA GUJARAT 382830, Kukarwada, Gujarat.
How quickly will an NEFT transfer using HDFC0003020 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Kukarvada reflect within 30 minutes.
What is the phone number of HDFC Bank Kukarvada branch?
You can reach the branch at 91-9898271111 during regular banking hours.
Is IFSC HDFC0003020 the same for all accounts at Kukarvada branch?
Yes. The IFSC HDFC0003020 is shared by every account held at HDFC Bank's Kukarvada branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Kukarvada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003020, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Kukarvada branch?
The IFSC code of HDFC Bank, Kukarvada branch is HDFC0003020. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code HDFC0003020 belongs to HDFC Bank's KUKARVADA branch, located at HDFC BANK LTD GROUND FLOOR, SHOT NO. 5 TO 8 HARIKUNJ PLAZA, NR APMC,KUKARWADA… in KUKARWADA, GUJARAT. 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.
