IFSC Code of HDFC Bank, Ponnampet Town Co Operative Bank N Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, PONNAMPET TOWN CO OPERATIVE BANK N branch in PONNAMPET. The 11-digit IFSC HDFC0CPTCBN uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the PONNAMPET TOWN CO OPERATIVE BANK N location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – PONNAMPET TOWN CO OPERATIVE BANK N is HDFC0CPTCBN. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CPTCBN map to this branch in PONNAMPET, KARNATAKA.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ponnampet Town Co Operative Bank N branch in Ponnampet, Karnataka is part of this network and uses the IFSC code HDFC0CPTCBN for all electronic settlement.

About this branch

The branch is located at MAIN ROAD PONNAMPET. It serves the Ponnampet 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 HDFC0CPTCBN is used to identify this branch on the RBI payments network.

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 PONNAMPET TOWN CO OPERATIVE BANK N branch came to be assigned the code HDFC0CPTCBN.

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 HDFC0CPTCBN, money simply cannot be routed to the PONNAMPET TOWN CO OPERATIVE BANK N branch electronically.

How to transfer money using IFSC HDFC0CPTCBN

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 HDFC0CPTCBN across all three.

NEFT to HDFC Bank, PONNAMPET TOWN CO OPERATIVE BANK N using IFSC HDFC0CPTCBN

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 HDFC0CPTCBN, and confirm that the system picks up HDFC Bank – PONNAMPET TOWN CO OPERATIVE BANK N. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PONNAMPET TOWN CO OPERATIVE BANK N

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's PONNAMPET TOWN CO OPERATIVE BANK N branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CPTCBN while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – PONNAMPET TOWN CO OPERATIVE BANK N, use IMPS. With IFSC HDFC0CPTCBN 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 HDFC0CPTCBN for HDFC Bank – PONNAMPET TOWN CO OPERATIVE BANK N, 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 Ponnampet Town Co Operative Bank N 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 HDFC0CPTCBN

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 – PONNAMPET TOWN CO OPERATIVE BANK N is still mapped to IFSC HDFC0CPTCBN. 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 HDFC0CPTCBN and the beneficiary's account number to complete the transfer.

Account types you can open at the Ponnampet Town Co Operative Bank N branch

Once you have an account at HDFC Bank – PONNAMPET TOWN CO OPERATIVE BANK N, the IFSC HDFC0CPTCBN 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 Ponnampet Town Co Operative Bank N 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 HDFC0CPTCBN

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 HDFC0CPTCBN and the account number together uniquely identify the Ponnampet Town Co Operative Bank N branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ponnampet Town Co Operative Bank N 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 HDFC0CPTCBN 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.

Common mistakes to avoid when using IFSC HDFC0CPTCBN

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 – PONNAMPET TOWN CO OPERATIVE BANK N, 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: HDFC0CPTCBN.
• 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 Ponnampet Town Co Operative Bank N branch sits at MAIN ROAD PONNAMPET. If you are travelling from outside Ponnampet, search for the branch on a maps application using the bank name and locality, or call 8274-249006 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 HDFC0CPTCBN and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CPTCBN for HDFC Bank – PONNAMPET TOWN CO OPERATIVE BANK N, 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 Ponnampet Town Co Operative Bank N 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 HDFC0CPTCBN continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CPTCBN belongs to HDFC Bank's PONNAMPET TOWN CO OPERATIVE BANK N branch, located at MAIN ROAD PONNAMPET in PONNAMPET, KARNATAKA. 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.