Below are the complete branch details for HDFC Bank, KOOTTANAD branch, located in NAGALASSERY, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0008823. 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 HDFC0008823 for HDFC Bank – KOOTTANAD — 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, HDFC0008823 is the IFSC of HDFC Bank's KOOTTANAD branch. The format is fixed: HDFC = bank code, 0 = reserved, 008823 = branch identifier.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Koottanad branch in Nagalassery, Kerala is part of this network and uses the IFSC code HDFC0008823 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Koottanad |
| IFSC Code | HDFC0008823 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR MAMOON THRITHALA ROAD PO KOOTTANAD NAGALASSERY KERALA 679533 |
| City | Nagalassery |
| District | Palakkad |
| State | Kerala |
| STD Code | 1800 |
| Phone | 2026161 |
About this branch
The branch is located at GRD FLOOR MAMOON THRITHALA ROAD PO KOOTTANAD NAGALASSERY KERALA 679533. It serves the Nagalassery 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 HDFC0008823 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 KOOTTANAD of HDFC Bank — its own 11-character IFSC. The code HDFC0008823 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 HDFC0008823 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 Koottanad branch
Once you have an account at HDFC Bank – KOOTTANAD, the IFSC HDFC0008823 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 Koottanad 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 HDFC0008823
How to transfer money using IFSC HDFC0008823
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 HDFC0008823 across all three.
How to use IFSC HDFC0008823 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's KOOTTANAD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0008823.
- Confirm the bank name auto-populates as HDFC Bank and the branch as KOOTTANAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0008823
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 – KOOTTANAD, ensure your bank's portal accepts IFSC HDFC0008823 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – KOOTTANAD, use IMPS. With IFSC HDFC0008823 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 HDFC0008823 for HDFC Bank – KOOTTANAD, 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 – HDFC0008823 | Yes – HDFC0008823 | Yes – HDFC0008823 |
For most retail customers crediting the Koottanad 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 KOOTTANAD branch, the IFSC HDFC0008823 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 HDFC0008823
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KOOTTANAD 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 HDFC0008823 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 Koottanad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0008823 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 – KOOTTANAD:
- The IFSC is exactly HDFC0008823 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 KOOTTANAD 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 Koottanad branch
The branch is located at GRD FLOOR MAMOON THRITHALA ROAD PO KOOTTANAD NAGALASSERY KERALA 679533, which puts it inside Nagalassery, the broader Palakkad district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Koottanad branch” — the verified location pin for IFSC HDFC0008823 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 HDFC0008823 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0008823 for HDFC Bank – KOOTTANAD, 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 Koottanad 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 HDFC0008823 continue to work without interruption.
Branch address & contact
HDFC BankKoottanad Branch
GRD FLOOR MAMOON THRITHALA ROAD PO KOOTTANAD NAGALASSERY KERALA 679533
Nagalassery, Kerala
Phone: 1800-2026161
IFSC: HDFC0008823
Frequently asked questions
Is IFSC HDFC0008823 the same for all accounts at Koottanad branch?
Yes. The IFSC HDFC0008823 is shared by every account held at HDFC Bank's Koottanad branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using HDFC0008823 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Koottanad reflect within 30 minutes.
Is IFSC HDFC0008823 valid for NEFT and RTGS?
Yes. IFSC HDFC0008823 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add HDFC Bank Koottanad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0008823, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HDFC0008823 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0008823 to send funds instantly.
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 Koottanad branch but serve different purposes.
Does HDFC Bank Koottanad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
What is the phone number of HDFC Bank Koottanad branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Summary
The IFSC code HDFC0008823 belongs to HDFC Bank's KOOTTANAD branch, located at GRD FLOOR MAMOON THRITHALA ROAD PO KOOTTANAD NAGALASSERY KERALA 679533 in NAGALASSERY, KERALA. 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.
