IFSC Code of HDFC Bank, Reckong Peo Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to HDFC Bank's RECKONG PEO branch in PEO, HIMACHAL PRADESH. The branch's IFSC code HDFC0003116 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For HDFC Bank's RECKONG PEO branch, the IFSC HDFC0003116 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003116 identifies this particular branch.

Branch details at a glance

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Reckong Peo branch — IFSC HDFC0003116 — extends the bank's services to customers in and around Peo, Himachal Pradesh.

Reckong Peo branch overview

Located at C/O SOM PRAKASH COMPLEX, VPO RECKONG PEO, TEHSIL-KALPA, DIST-KINNAUR, RECKONG PEO HIMACHAL PRADESH 172107, the Reckong Peo branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0003116 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 RECKONG PEO branch came to be assigned the code HDFC0003116.

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 HDFC0003116, money simply cannot be routed to the RECKONG PEO branch electronically.

How to transfer money using IFSC HDFC0003116

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 HDFC0003116 across all three.

NEFT to HDFC Bank, RECKONG PEO using IFSC HDFC0003116

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 HDFC0003116, and confirm that the system picks up HDFC Bank – RECKONG PEO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0003116

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 – RECKONG PEO, ensure your bank's portal accepts IFSC HDFC0003116 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank RECKONG PEO (IFSC HDFC0003116)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003116 in your mobile or internet banking app, and the money is credited to the RECKONG PEO branch account within seconds.

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

All three modes accept the IFSC HDFC0003116 for HDFC Bank – RECKONG PEO, 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 Reckong Peo 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 HDFC0003116

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 – RECKONG PEO is still mapped to IFSC HDFC0003116. 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 HDFC0003116 and the beneficiary's account number to complete the transfer.

Account types you can open at the Reckong Peo branch

Once you have an account at HDFC Bank – RECKONG PEO, the IFSC HDFC0003116 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 Reckong Peo 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 HDFC0003116

MICR & cheque-truncation details

Cheques drawn on the Reckong Peo branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003116 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0003116

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the RECKONG PEO 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 HDFC0003116 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.

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 – RECKONG PEO:

• The IFSC is exactly HDFC0003116 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 RECKONG PEO 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 Reckong Peo branch

The branch is located at C/O SOM PRAKASH COMPLEX, VPO RECKONG PEO, TEHSIL-KALPA, DIST-KINNAUR, RECKONG PEO HIMACHAL PRADESH 172107, which puts it inside Peo, the broader Kinnaur district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Reckong Peo branch” — the verified location pin for IFSC HDFC0003116 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8001804333 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 HDFC0003116 and your account number.

Verifying IFSC HDFC0003116 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 HDFC0003116 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8001804333.
• 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 Reckong Peo branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003116, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0003116 belongs to HDFC Bank's RECKONG PEO branch, located at C/O SOM PRAKASH COMPLEX, VPO RECKONG PEO, TEHSIL-KALPA, DIST-KINNAUR, RECKONG… in PEO, HIMACHAL PRADESH. 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.