If you are searching for the IFSC code of HDFC Bank, RATNAGIRI III branch in MANDANGAD, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is HDFC0007006. 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 RATNAGIRI III branch, and detailed step-by-step guides for using the IFSC HDFC0007006 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for HDFC Bank – RATNAGIRI III is HDFC0007006. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007006 map to this branch in MANDANGAD, MAHARASHTRA.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Ratnagiri Iii branch in Mandangad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HDFC0007006.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Ratnagiri Iii |
| IFSC Code | HDFC0007006 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD AND 1ST FLOOR PLOT NO 103 A HISSA NO 2 86 PLOT NO 5 KHEDSHI MANDANGAD MAHARASHTRA 415612 |
| City | Mandangad |
| District | Ratnagiri |
| State | Maharashtra |
| STD Code | 1800 |
| Phone | 2026161 |
About the Ratnagiri Iii branch
The Ratnagiri Iii branch of HDFC Bank is situated at GRD AND 1ST FLOOR PLOT NO 103 A HISSA NO 2 86 PLOT NO 5 KHEDSHI MANDANGAD MAHARASHTRA 415612. 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 HDFC0007006 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 RATNAGIRI III branch came to be assigned the code HDFC0007006.
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 HDFC0007006, money simply cannot be routed to the RATNAGIRI III branch electronically.
Products and account variants supported
Every account opened at the Ratnagiri Iii branch is mapped to IFSC HDFC0007006 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 HDFC0007006.
Banking services available
The Ratnagiri Iii branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2026161.
- 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 HDFC0007006
How to transfer money using IFSC HDFC0007006
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 HDFC0007006 across all three.
NEFT to HDFC Bank, RATNAGIRI III using IFSC HDFC0007006
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 HDFC0007006, and confirm that the system picks up HDFC Bank – RATNAGIRI III. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RATNAGIRI III
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's RATNAGIRI III branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007006 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 – RATNAGIRI III, use IMPS. With IFSC HDFC0007006 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 Ratnagiri Iii
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 HDFC0007006:
- 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 RATNAGIRI III is still linked to IFSC HDFC0007006.
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 RATNAGIRI III branch, the IFSC HDFC0007006 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.
Digital banking channels
Most day-to-day work that customers used to do at the Ratnagiri Iii 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 HDFC0007006 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by HDFC Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HDFC0007006 and the account number together uniquely identify the Ratnagiri Iii branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – RATNAGIRI III:
- The IFSC is exactly HDFC0007006 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 RATNAGIRI III 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 Ratnagiri Iii branch
The branch is located at GRD AND 1ST FLOOR PLOT NO 103 A HISSA NO 2 86 PLOT NO 5 KHEDSHI MANDANGAD MAHARASHTRA 415612, which puts it inside Mandangad, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Ratnagiri Iii branch” — the verified location pin for IFSC HDFC0007006 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 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 HDFC0007006 and your account number.
Verifying IFSC HDFC0007006 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 HDFC0007006 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- Visiting the bank's official branch locator page.
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 Ratnagiri Iii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0007006, however, work 24x7.
Branch address & contact
HDFC BankRatnagiri Iii Branch
GRD AND 1ST FLOOR PLOT NO 103 A HISSA NO 2 86 PLOT NO 5 KHEDSHI MANDANGAD MAHARASHTRA 415612
Mandangad, Maharashtra
Phone: 1800-2026161
IFSC: HDFC0007006
Frequently asked questions
Is IFSC HDFC0007006 valid for NEFT and RTGS?
Yes. IFSC HDFC0007006 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Ratnagiri Iii branch located?
HDFC Bank's Ratnagiri Iii branch is located at GRD AND 1ST FLOOR PLOT NO 103 A HISSA NO 2 86 PLOT NO 5 KHEDSHI MANDANGAD MAHARASHTRA 415612, Mandangad, Maharashtra.
How do I add HDFC Bank Ratnagiri Iii as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007006, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ratnagiri Iii branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0007006 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Ratnagiri Iii reflect within 30 minutes.
What is the IFSC code of HDFC Bank Ratnagiri Iii branch?
The IFSC code of HDFC Bank, Ratnagiri Iii branch is HDFC0007006. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC HDFC0007006 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0007006 to send funds instantly.
Is IFSC HDFC0007006 the same for all accounts at Ratnagiri Iii branch?
Yes. The IFSC HDFC0007006 is shared by every account held at HDFC Bank's Ratnagiri Iii branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0007006 is the IFSC code of HDFC Bank, RATNAGIRI III branch, in MANDANGAD, MAHARASHTRA. 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.
