IFSC Code of HDFC Bank, Mercy College Junction Branch, Kerala

Below are the complete branch details for HDFC Bank, MERCY COLLEGE JUNCTION branch, located in PALAKKAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0009005. 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 HDFC0009005 for HDFC Bank – MERCY COLLEGE JUNCTION — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for HDFC Bank – MERCY COLLEGE JUNCTION is HDFC0009005. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009005 map to this branch in PALAKKAD, KERALA.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Mercy College Junction branch in Palakkad. 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, HDFC0009005.

Branch details at a glance

About the Mercy College Junction branch

The Mercy College Junction branch of HDFC Bank is situated at GR FLR LP TOWER MERCY CLG RD NR TO UNBI BRANCH CHAKKANTHRA PALLIPPURAM PO PALAKKAD KERALA 678006. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0009005 is used.

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 MERCY COLLEGE JUNCTION branch came to be assigned the code HDFC0009005.

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 HDFC0009005, money simply cannot be routed to the MERCY COLLEGE JUNCTION branch electronically.

Products and account variants supported

Every account opened at the Mercy College Junction branch is mapped to IFSC HDFC0009005 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 HDFC0009005.

Products and services

Customers walking into the Mercy College Junction 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 HDFC0009005

How to transfer money using IFSC HDFC0009005

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 HDFC0009005 across all three.

How to use IFSC HDFC0009005 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's MERCY COLLEGE 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 HDFC0009005.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as MERCY COLLEGE JUNCTION.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MERCY COLLEGE JUNCTION

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's MERCY COLLEGE JUNCTION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0009005 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank MERCY COLLEGE JUNCTION (IFSC HDFC0009005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009005 in your mobile or internet banking app, and the money is credited to the MERCY COLLEGE JUNCTION branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0009005 for HDFC Bank – MERCY COLLEGE JUNCTION, 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 Mercy College Junction 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 HDFC0009005

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 – MERCY COLLEGE JUNCTION is still mapped to IFSC HDFC0009005. 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 HDFC0009005 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 Mercy College 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 HDFC0009005 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 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 HDFC0009005 and the account number together uniquely identify the Mercy College Junction branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC HDFC0009005

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 – MERCY COLLEGE JUNCTION, 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: HDFC0009005.
• 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 Mercy College Junction branch sits at GR FLR LP TOWER MERCY CLG RD NR TO UNBI BRANCH CHAKKANTHRA PALLIPPURAM PO PALAKKAD KERALA 678006. If you are travelling from outside Palakkad, search for the branch on a maps application using the bank name and locality, or call 1860-2676161 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 HDFC0009005 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0009005 for HDFC Bank – MERCY COLLEGE JUNCTION, 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 Mercy College 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 HDFC0009005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0009005 belongs to HDFC Bank's MERCY COLLEGE JUNCTION branch, located at GR FLR LP TOWER MERCY CLG RD NR TO UNBI BRANCH CHAKKANTHRA PALLIPPURAM PO… in PALAKKAD, 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.