IFSC Code of HDFC Bank, Maluamma Memorial Building Kuthannur Branch, Kerala

Below are the complete branch details for HDFC Bank, MALUAMMA MEMORIAL BUILDING KUTHANNUR branch, located in KUTHANNUR, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0001531. 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 HDFC0001531 for HDFC Bank – MALUAMMA MEMORIAL BUILDING KUTHANNUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MALUAMMA MEMORIAL BUILDING KUTHANNUR branch, the IFSC HDFC0001531 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 001531 identifies this particular branch.

Branch details at a glance

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Maluamma Memorial Building Kuthannur branch — IFSC HDFC0001531 — extends the bank's services to customers in and around Kuthannur, Kerala.

Maluamma Memorial Building Kuthannur branch overview

Located at DOOR VIII/661MALUAMMA MEMORIAL BUILDINGTHOLANNUR ROAD, the Maluamma Memorial Building Kuthannur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0001531 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 MALUAMMA MEMORIAL BUILDING KUTHANNUR branch came to be assigned the code HDFC0001531.

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 HDFC0001531, money simply cannot be routed to the MALUAMMA MEMORIAL BUILDING KUTHANNUR branch electronically.

How to transfer money using IFSC HDFC0001531

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 HDFC0001531 across all three.

NEFT to HDFC Bank, MALUAMMA MEMORIAL BUILDING KUTHANNUR using IFSC HDFC0001531

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 HDFC0001531, and confirm that the system picks up HDFC Bank – MALUAMMA MEMORIAL BUILDING KUTHANNUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0001531

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 – MALUAMMA MEMORIAL BUILDING KUTHANNUR, ensure your bank's portal accepts IFSC HDFC0001531 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank MALUAMMA MEMORIAL BUILDING KUTHANNUR (IFSC HDFC0001531)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0001531 in your mobile or internet banking app, and the money is credited to the MALUAMMA MEMORIAL BUILDING KUTHANNUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Maluamma Memorial Building Kuthannur

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 HDFC0001531:

• 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 MALUAMMA MEMORIAL BUILDING KUTHANNUR is still linked to IFSC HDFC0001531.

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 MALUAMMA MEMORIAL BUILDING KUTHANNUR branch, the IFSC HDFC0001531 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 Maluamma Memorial Building Kuthannur branch is mapped to IFSC HDFC0001531 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 HDFC0001531.

Products and services

Customers walking into the Maluamma Memorial Building Kuthannur 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 HDFC0001531

MICR & cheque-truncation details

Cheques drawn on the Maluamma Memorial Building Kuthannur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0001531 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 Maluamma Memorial Building Kuthannur 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 HDFC0001531 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.

Common mistakes to avoid when using IFSC HDFC0001531

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 – MALUAMMA MEMORIAL BUILDING KUTHANNUR, 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: HDFC0001531.
• 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.

Reaching the branch

The Maluamma Memorial Building Kuthannur branch sits at DOOR VIII/661MALUAMMA MEMORIAL BUILDINGTHOLANNUR ROAD. If you are travelling from outside Kuthannur, search for the branch on a maps application using the bank name and locality, or call 91-9895663333 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HDFC0001531 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0001531 for HDFC Bank – MALUAMMA MEMORIAL BUILDING KUTHANNUR, 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 Maluamma Memorial Building Kuthannur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0001531, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0001531 is the IFSC code of HDFC Bank, MALUAMMA MEMORIAL BUILDING KUTHANNUR branch, in KUTHANNUR, KERALA. 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.