IFSC Code of HDFC Bank, Pali Urban Co-Operative Bank Ltd Branch, Rajasthan

Use this page as a one-stop reference for everything related to HDFC Bank's PALI URBAN CO-OPERATIVE BANK LTD branch in PALI, RAJASTHAN. The branch's IFSC code HDFC0CPUB03 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.

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 – PALI URBAN CO-OPERATIVE BANK LTD is HDFC0CPUB03. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CPUB03 map to this branch in PALI, RAJASTHAN.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pali Urban Co-Operative Bank Ltd branch — IFSC HDFC0CPUB03 — extends the bank's services to customers in and around Pali, Rajasthan.

Branch details at a glance

Pali Urban Co-Operative Bank Ltd branch overview

Located at GURLAI MARG, PALI, the Pali Urban Co-Operative 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 HDFC0CPUB03 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 PALI URBAN CO-OPERATIVE BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CPUB03 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 HDFC0CPUB03 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 Pali Urban Co-Operative Bank Ltd branch

Once you have an account at HDFC Bank – PALI URBAN CO-OPERATIVE BANK LTD, the IFSC HDFC0CPUB03 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.

Products and services

Customers walking into the Pali Urban Co-Operative Bank Ltd 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 HDFC0CPUB03

How to transfer money using IFSC HDFC0CPUB03

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 HDFC0CPUB03 across all three.

NEFT to HDFC Bank, PALI URBAN CO-OPERATIVE BANK LTD using IFSC HDFC0CPUB03

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 HDFC0CPUB03, and confirm that the system picks up HDFC Bank – PALI URBAN CO-OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PALI URBAN CO-OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's PALI URBAN CO-OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CPUB03 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank PALI URBAN CO-OPERATIVE BANK LTD (IFSC HDFC0CPUB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CPUB03 in your mobile or internet banking app, and the money is credited to the PALI URBAN CO-OPERATIVE BANK LTD branch account within seconds.

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

All three modes accept the IFSC HDFC0CPUB03 for HDFC Bank – PALI URBAN CO-OPERATIVE 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 Pali Urban Co-Operative 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 HDFC0CPUB03

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 – PALI URBAN CO-OPERATIVE BANK LTD is still mapped to IFSC HDFC0CPUB03. 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 HDFC0CPUB03 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 Pali Urban Co-Operative Bank Ltd 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 HDFC0CPUB03 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 HDFC0CPUB03 and the account number together uniquely identify the Pali Urban Co-Operative Bank Ltd 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 HDFC0CPUB03

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 – PALI URBAN CO-OPERATIVE 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: HDFC0CPUB03.
• 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 Pali Urban Co-Operative Bank Ltd branch

The branch is located at GURLAI MARG, PALI, which puts it inside Pali, the broader Pali district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Pali Urban Co-Operative Bank Ltd branch” — the verified location pin for IFSC HDFC0CPUB03 should appear at the top of the results.
2. Confirm the branch is open by calling 293-231010 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 HDFC0CPUB03 and your account number.

Verifying IFSC HDFC0CPUB03 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 HDFC0CPUB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 293-231010.
• Visiting the bank's official branch locator page.

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 Pali Urban Co-Operative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CPUB03, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CPUB03 belongs to HDFC Bank's PALI URBAN CO-OPERATIVE BANK LTD branch, located at GURLAI MARG, PALI in PALI, RAJASTHAN. 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.