Below are the complete branch details for HDFC Bank, MUMBAI - KALYAN branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0000194. 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 HDFC0000194 for HDFC Bank – MUMBAI - KALYAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, HDFC0000194 is the IFSC of HDFC Bank's MUMBAI - KALYAN branch. The format is fixed: HDFC = bank code, 0 = reserved, 000194 = branch identifier.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mumbai - Kalyan branch — IFSC HDFC0000194 — extends the bank's services to customers in and around Mumbai, Maharashtra.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Mumbai - Kalyan |
| IFSC Code | HDFC0000194 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 127, PLOT NO 2ASARASWATI BUILDINGSANTOSHIMATA ROAD, RAMBAUG,KALYAN WMUMBAI421301 |
| City | Mumbai |
| District | Greater Mumbai |
| State | Maharashtra |
| STD Code | 91 |
| Phone | 9890603333 |
Mumbai - Kalyan branch overview
Located at SHOP NO 127, PLOT NO 2ASARASWATI BUILDINGSANTOSHIMATA ROAD, RAMBAUG,KALYAN WMUMBAI421301, the Mumbai - Kalyan branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0000194 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 MUMBAI - KALYAN of HDFC Bank — its own 11-character IFSC. The code HDFC0000194 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 HDFC0000194 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Mumbai - Kalyan branch is mapped to IFSC HDFC0000194 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 HDFC0000194.
Products and services
Customers walking into the Mumbai - Kalyan 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 HDFC0000194
How to transfer money using IFSC HDFC0000194
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 HDFC0000194 across all three.
NEFT to HDFC Bank, MUMBAI - KALYAN using IFSC HDFC0000194
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 HDFC0000194, and confirm that the system picks up HDFC Bank – MUMBAI - KALYAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0000194
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 – MUMBAI - KALYAN, ensure your bank's portal accepts IFSC HDFC0000194 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank MUMBAI - KALYAN (IFSC HDFC0000194)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000194 in your mobile or internet banking app, and the money is credited to the MUMBAI - KALYAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0000194 for HDFC Bank – MUMBAI - KALYAN, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HDFC0000194 | Yes – HDFC0000194 | Yes – HDFC0000194 |
For most retail customers crediting the Mumbai - Kalyan 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.
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 MUMBAI - KALYAN branch, the IFSC HDFC0000194 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.
Online banking and IFSC HDFC0000194
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the MUMBAI - KALYAN 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 HDFC0000194 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.
MICR & cheque-truncation details
Cheques drawn on the Mumbai - Kalyan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0000194 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0000194
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 – MUMBAI - KALYAN, 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:
HDFC0000194. - 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 Mumbai - Kalyan branch sits at SHOP NO 127, PLOT NO 2ASARASWATI BUILDINGSANTOSHIMATA ROAD, RAMBAUG,KALYAN WMUMBAI421301. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 91-9890603333 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 HDFC0000194 and your account number.
Verifying IFSC HDFC0000194 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 HDFC0000194 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9890603333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mumbai - Kalyan 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 HDFC0000194 continue to work without interruption.
Branch address & contact
HDFC BankMumbai - Kalyan Branch
SHOP NO 127, PLOT NO 2ASARASWATI BUILDINGSANTOSHIMATA ROAD, RAMBAUG,KALYAN WMUMBAI421301
Mumbai, Maharashtra
Phone: 91-9890603333
IFSC: HDFC0000194
Frequently asked questions
How do I add HDFC Bank Mumbai - Kalyan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000194, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0000194 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Mumbai - Kalyan reflect within 30 minutes.
Can I use IFSC HDFC0000194 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0000194 to send funds instantly.
What is the IFSC code of HDFC Bank Mumbai - Kalyan branch?
The IFSC code of HDFC Bank, Mumbai - Kalyan branch is HDFC0000194. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC HDFC0000194 the same for all accounts at Mumbai - Kalyan branch?
Yes. The IFSC HDFC0000194 is shared by every account held at HDFC Bank's Mumbai - Kalyan branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Mumbai - Kalyan branch?
You can reach the branch at 91-9890603333 during regular banking hours.
Where is HDFC Bank Mumbai - Kalyan branch located?
HDFC Bank's Mumbai - Kalyan branch is located at SHOP NO 127, PLOT NO 2ASARASWATI BUILDINGSANTOSHIMATA ROAD, RAMBAUG,KALYAN WMUMBAI421301, Mumbai, Maharashtra.
Final notes
To recap: HDFC0000194 is the IFSC code of HDFC Bank, MUMBAI - KALYAN branch, in MUMBAI, 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.
