If you are searching for the IFSC code of HDFC Bank, SADHANA SAHAKARI BANK LTD branch in PUNE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is HDFC0CSBL23. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SADHANA SAHAKARI BANK LTD branch, and detailed step-by-step guides for using the IFSC HDFC0CSBL23 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, HDFC0CSBL23 is the IFSC of HDFC Bank's SADHANA SAHAKARI BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CSBL23 = 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 Sadhana Sahakari Bank Ltd branch in Pune, Maharashtra is part of this network and uses the IFSC code HDFC0CSBL23 for all electronic settlement.
About the Sadhana Sahakari Bank Ltd branch
The Sadhana Sahakari Bank Ltd branch of HDFC Bank is situated at GAT NO 1360 SHOP NO 13 14 GROUND FLR LAXMI COMPLEX CHAKAN CHOUK SHIKHARAPUR SHIRUR PUNE 412208. 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 HDFC0CSBL23 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Sadhana Sahakari Bank Ltd |
| IFSC Code | HDFC0CSBL23 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GAT NO 1360 SHOP NO 13 14 GROUND FLR LAXMI COMPLEX CHAKAN CHOUK SHIKHARAPUR SHIRUR PUNE 412208 |
| City | Pune |
| District | Pune |
| State | Maharashtra |
| STD Code | 91 |
| Phone | 8888873600 |
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 SADHANA SAHAKARI BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CSBL23 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 HDFC0CSBL23 the same way you would treat your account number — verify it once and save it carefully for future use.
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 HDFC0CSBL23 and the account number together uniquely identify the Sadhana Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0CSBL23
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 HDFC0CSBL23 across all three.
NEFT to HDFC Bank, SADHANA SAHAKARI BANK LTD using IFSC HDFC0CSBL23
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 HDFC0CSBL23, and confirm that the system picks up HDFC Bank – SADHANA SAHAKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0CSBL23
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 – SADHANA SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC HDFC0CSBL23 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – SADHANA SAHAKARI BANK LTD, use IMPS. With IFSC HDFC0CSBL23 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Sadhana Sahakari Bank Ltd
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC HDFC0CSBL23:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at SADHANA SAHAKARI BANK LTD is still linked to IFSC HDFC0CSBL23.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC HDFC0CSBL23
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 – SADHANA SAHAKARI BANK LTD is still mapped to IFSC HDFC0CSBL23. 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 HDFC0CSBL23 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sadhana Sahakari Bank Ltd branch is mapped to IFSC HDFC0CSBL23 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 HDFC0CSBL23.
Banking services available
The Sadhana Sahakari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8888873600.
- 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 HDFC0CSBL23
Online banking and IFSC HDFC0CSBL23
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SADHANA SAHAKARI BANK LTD 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 HDFC0CSBL23 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.
Reaching the branch
The Sadhana Sahakari Bank Ltd branch sits at GAT NO 1360 SHOP NO 13 14 GROUND FLR LAXMI COMPLEX CHAKAN CHOUK SHIKHARAPUR SHIRUR PUNE 412208. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 91-8888873600 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 HDFC0CSBL23 and your account number.
Common mistakes to avoid when using IFSC HDFC0CSBL23
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 – SADHANA SAHAKARI 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:
HDFC0CSBL23. - 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.
Working hours
Branch counters at Sadhana Sahakari Bank Ltd 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 HDFC0CSBL23 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0CSBL23 for HDFC Bank – SADHANA SAHAKARI BANK LTD, 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.
Branch address & contact
HDFC BankSadhana Sahakari Bank Ltd Branch
GAT NO 1360 SHOP NO 13 14 GROUND FLR LAXMI COMPLEX CHAKAN CHOUK SHIKHARAPUR SHIRUR PUNE 412208
Pune, Maharashtra
Phone: 91-8888873600
IFSC: HDFC0CSBL23
Frequently asked questions
Is IFSC HDFC0CSBL23 valid for NEFT and RTGS?
Yes. IFSC HDFC0CSBL23 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HDFC0CSBL23 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0CSBL23 to send funds instantly.
Does HDFC Bank Sadhana Sahakari Bank Ltd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8888873600 to confirm.
What is the phone number of HDFC Bank Sadhana Sahakari Bank Ltd branch?
You can reach the branch at 91-8888873600 during regular banking hours.
Is IFSC HDFC0CSBL23 the same for all accounts at Sadhana Sahakari Bank Ltd branch?
Yes. The IFSC HDFC0CSBL23 is shared by every account held at HDFC Bank's Sadhana Sahakari Bank Ltd branch. Only the account number changes from customer to customer.
Where is HDFC Bank Sadhana Sahakari Bank Ltd branch located?
HDFC Bank's Sadhana Sahakari Bank Ltd branch is located at GAT NO 1360 SHOP NO 13 14 GROUND FLR LAXMI COMPLEX CHAKAN CHOUK SHIKHARAPUR SHIRUR PUNE 412208, Pune, Maharashtra.
How do I add HDFC Bank Sadhana Sahakari Bank Ltd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0CSBL23, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code HDFC0CSBL23 belongs to HDFC Bank's SADHANA SAHAKARI BANK LTD branch, located at GAT NO 1360 SHOP NO 13 14 GROUND FLR LAXMI COMPLEX CHAKAN CHOUK SHIKHARAPUR… in PUNE, MAHARASHTRA. 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.
