IFSC Code of HDFC Bank, Eastern Railway Employees Coop Bank Ltd Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to HDFC Bank's EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch in MUGHALSARAI, UTTAR PRADESH. The branch's IFSC code HDFC0CECB06 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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch, the IFSC HDFC0CECB06 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CECB06 identifies this particular branch.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Eastern Railway Employees Coop Bank Ltd branch in Mughalsarai, Uttar Pradesh is part of this network and uses the IFSC code HDFC0CECB06 for all electronic settlement.

Eastern Railway Employees Coop Bank Ltd branch overview

Located at DANAPUR RAILWAY STATION BUILDING EAST CENTRAL RAILWAY PO KHAGAUL DIST PATNA PIN 801105, the Eastern Railway Employees Coop Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0CECB06 is required for all interbank electronic transfers routed through this branch.

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 EASTERN RAILWAY EMPLOYEES COOP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CECB06 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 HDFC0CECB06 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 HDFC0CECB06

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 HDFC0CECB06 across all three.

NEFT to HDFC Bank, EASTERN RAILWAY EMPLOYEES COOP BANK LTD using IFSC HDFC0CECB06

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 HDFC0CECB06, and confirm that the system picks up HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0CECB06

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 – EASTERN RAILWAY EMPLOYEES COOP BANK LTD, ensure your bank's portal accepts IFSC HDFC0CECB06 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP BANK LTD, use IMPS. With IFSC HDFC0CECB06 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 HDFC0CECB06 for HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP BANK LTD, 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.

For most retail customers crediting the Eastern Railway Employees Coop Bank Ltd 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 HDFC0CECB06

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 – EASTERN RAILWAY EMPLOYEES COOP BANK LTD is still mapped to IFSC HDFC0CECB06. 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 HDFC0CECB06 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Eastern Railway Employees Coop Bank Ltd branch is mapped to IFSC HDFC0CECB06 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 HDFC0CECB06.

Banking services available

The Eastern Railway Employees Coop Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8340788249.

• 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 HDFC0CECB06

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 HDFC0CECB06 and the account number together uniquely identify the Eastern Railway Employees Coop Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0CECB06

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the EASTERN RAILWAY EMPLOYEES COOP BANK LTD 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 HDFC0CECB06 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.

Common mistakes to avoid when using IFSC HDFC0CECB06

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 – EASTERN RAILWAY EMPLOYEES COOP BANK LTD, 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: HDFC0CECB06.
• 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.

How to reach the Eastern Railway Employees Coop Bank Ltd branch

The branch is located at DANAPUR RAILWAY STATION BUILDING EAST CENTRAL RAILWAY PO KHAGAUL DIST PATNA PIN 801105, which puts it inside Mughalsarai, the broader Mughalsarai district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Eastern Railway Employees Coop Bank Ltd branch” — the verified location pin for IFSC HDFC0CECB06 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8340788249 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 HDFC0CECB06 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CECB06 for HDFC Bank – EASTERN RAILWAY EMPLOYEES COOP BANK LTD, 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 Eastern Railway Employees Coop Bank Ltd 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 HDFC0CECB06 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CECB06 belongs to HDFC Bank's EASTERN RAILWAY EMPLOYEES COOP BANK LTD branch, located at DANAPUR RAILWAY STATION BUILDING EAST CENTRAL RAILWAY PO KHAGAUL DIST PATNA… in MUGHALSARAI, UTTAR PRADESH. 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.