Use this page as a one-stop reference for everything related to HDFC Bank's KALACHOWKI branch in MUMBAI, MAHARASHTRA. The branch's IFSC code HDFC0007521 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, HDFC0007521 is the IFSC of HDFC Bank's KALACHOWKI branch. The format is fixed: HDFC = bank code, 0 = reserved, 007521 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kalachowki |
| IFSC Code | HDFC0007521 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 5 AND 1010 GRD AND 1ST FLOOR ESPERANZA BLDG PLOT NO 14 B A ROAD LALBAUG MUMBAI MAHARASHTRA 400012 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 61606161 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Kalachowki branch in Mumbai. 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, HDFC0007521.
Kalachowki branch overview
Located at SHOP NO 5 AND 1010 GRD AND 1ST FLOOR ESPERANZA BLDG PLOT NO 14 B A ROAD LALBAUG MUMBAI MAHARASHTRA 400012, the Kalachowki branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0007521 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 KALACHOWKI branch came to be assigned the code HDFC0007521.
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 HDFC0007521, money simply cannot be routed to the KALACHOWKI branch electronically.
How to transfer money using IFSC HDFC0007521
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 HDFC0007521 across all three.
NEFT to HDFC Bank, KALACHOWKI using IFSC HDFC0007521
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 HDFC0007521, and confirm that the system picks up HDFC Bank – KALACHOWKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KALACHOWKI
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KALACHOWKI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007521 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank KALACHOWKI (IFSC HDFC0007521)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0007521 in your mobile or internet banking app, and the money is credited to the KALACHOWKI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kalachowki
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 HDFC0007521:
- 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 KALACHOWKI is still linked to IFSC HDFC0007521.
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 KALACHOWKI branch, the IFSC HDFC0007521 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 Kalachowki branch is mapped to IFSC HDFC0007521 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 HDFC0007521.
Banking services available
The Kalachowki branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-61606161.
- 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 HDFC0007521
MICR & cheque-truncation details
Cheques drawn on the Kalachowki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0007521 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 Kalachowki 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 HDFC0007521 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 HDFC0007521
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 – KALACHOWKI, 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:
HDFC0007521. - 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 Kalachowki branch sits at SHOP NO 5 AND 1010 GRD AND 1ST FLOOR ESPERANZA BLDG PLOT NO 14 B A ROAD LALBAUG MUMBAI MAHARASHTRA 400012. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-61606161 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 HDFC0007521 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0007521 for HDFC Bank – KALACHOWKI, 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 Kalachowki branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0007521, however, work 24x7.
Branch address & contact
HDFC BankKalachowki Branch
SHOP NO 5 AND 1010 GRD AND 1ST FLOOR ESPERANZA BLDG PLOT NO 14 B A ROAD LALBAUG MUMBAI MAHARASHTRA 400012
Mumbai, Maharashtra
Phone: 22-61606161
IFSC: HDFC0007521
Frequently asked questions
How do I add HDFC Bank Kalachowki as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007521, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0007521 valid for NEFT and RTGS?
Yes. IFSC HDFC0007521 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HDFC0007521 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0007521 to send funds instantly.
How quickly will an NEFT transfer using HDFC0007521 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Kalachowki reflect within 30 minutes.
Is IFSC HDFC0007521 the same for all accounts at Kalachowki branch?
Yes. The IFSC HDFC0007521 is shared by every account held at HDFC Bank's Kalachowki branch. Only the account number changes from customer to customer.
What is the IFSC code of HDFC Bank Kalachowki branch?
The IFSC code of HDFC Bank, Kalachowki branch is HDFC0007521. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Kalachowki branch but serve different purposes.
Where is HDFC Bank Kalachowki branch located?
HDFC Bank's Kalachowki branch is located at SHOP NO 5 AND 1010 GRD AND 1ST FLOOR ESPERANZA BLDG PLOT NO 14 B A ROAD LALBAUG MUMBAI MAHARASHTRA 400012, Mumbai, Maharashtra.
Summary
The IFSC code HDFC0007521 belongs to HDFC Bank's KALACHOWKI branch, located at SHOP NO 5 AND 1010 GRD AND 1ST FLOOR ESPERANZA BLDG PLOT NO 14 B A ROAD… in MUMBAI, MAHARASHTRA. 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.
