IFSC Code of HDFC Bank, Kalluthotti Junction Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to HDFC Bank's KALLUTHOTTI JUNCTION branch in MARTHANDAM, TAMIL NADU. The branch's IFSC code HDFC0003149 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, HDFC0003149 is the IFSC of HDFC Bank's KALLUTHOTTI JUNCTION branch. The format is fixed: HDFC = bank code, 0 = reserved, 003149 = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalluthotti Junction branch — IFSC HDFC0003149 — extends the bank's services to customers in and around Marthandam, Tamil Nadu.

Branch details at a glance

About this branch

The branch is located at HDFC BANK LTD GEETHA TOWERS, NEAR CHITRA HOTEL, KALLUTHOTTI JUNCTION, PAMMAM, MARTHANDAM TAMILNADU 629165. It serves the Marthandam 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 HDFC0003149 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 KALLUTHOTTI JUNCTION of HDFC Bank — its own 11-character IFSC. The code HDFC0003149 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 HDFC0003149 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kalluthotti Junction branch

Once you have an account at HDFC Bank – KALLUTHOTTI JUNCTION, the IFSC HDFC0003149 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Kalluthotti Junction branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9840673333.

• 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 HDFC0003149

How to transfer money using IFSC HDFC0003149

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 HDFC0003149 across all three.

How to use IFSC HDFC0003149 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's KALLUTHOTTI JUNCTION branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0003149.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as KALLUTHOTTI JUNCTION.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0003149

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 – KALLUTHOTTI JUNCTION, ensure your bank's portal accepts IFSC HDFC0003149 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank KALLUTHOTTI JUNCTION (IFSC HDFC0003149)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003149 in your mobile or internet banking app, and the money is credited to the KALLUTHOTTI JUNCTION branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kalluthotti Junction

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 HDFC0003149:

• 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 KALLUTHOTTI JUNCTION is still linked to IFSC HDFC0003149.

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.

UPI payments and IFSC HDFC0003149

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 – KALLUTHOTTI JUNCTION is still mapped to IFSC HDFC0003149. 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 HDFC0003149 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kalluthotti Junction 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 HDFC0003149 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 & cheque-truncation details

Cheques drawn on the Kalluthotti Junction branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003149 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KALLUTHOTTI JUNCTION:

• The IFSC is exactly HDFC0003149 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 KALLUTHOTTI JUNCTION 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 Kalluthotti Junction branch

The branch is located at HDFC BANK LTD GEETHA TOWERS, NEAR CHITRA HOTEL, KALLUTHOTTI JUNCTION, PAMMAM, MARTHANDAM TAMILNADU 629165, which puts it inside Marthandam, the broader Kanyakumari district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Kalluthotti Junction branch” — the verified location pin for IFSC HDFC0003149 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9840673333 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 HDFC0003149 and your account number.

Verifying IFSC HDFC0003149 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 HDFC0003149 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9840673333.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kalluthotti Junction 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 HDFC0003149 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0003149 belongs to HDFC Bank's KALLUTHOTTI JUNCTION branch, located at HDFC BANK LTD GEETHA TOWERS, NEAR CHITRA HOTEL, KALLUTHOTTI JUNCTION, PAMMAM,… in MARTHANDAM, TAMIL NADU. 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.