Below are the complete branch details for HDFC Bank, SADHANA SAHAKARI BANK LTD HADAPSAR branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CSBL03. 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 HDFC0CSBL03 for HDFC Bank – SADHANA SAHAKARI BANK LTD HADAPSAR — 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 – SADHANA SAHAKARI BANK LTD HADAPSAR is HDFC0CSBL03. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CSBL03 map to this branch in PUNE, MAHARASHTRA.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Sadhana Sahakari Bank Ltd Hadapsar |
| IFSC Code | HDFC0CSBL03 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT POST. LONI KALBHOR, TAL-HAVELI, DIST- PUNE -412 201 |
| City | Pune |
| District | Pune |
| State | Maharashtra |
| STD Code | 2691 |
| Phone | 26913300 |
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sadhana Sahakari Bank Ltd Hadapsar branch — IFSC HDFC0CSBL03 — extends the bank's services to customers in and around Pune, Maharashtra.
About this branch
The branch is located at AT POST. LONI KALBHOR, TAL-HAVELI, DIST- PUNE -412 201. It serves the Pune 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 HDFC0CSBL03 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 SADHANA SAHAKARI BANK LTD HADAPSAR branch came to be assigned the code HDFC0CSBL03.
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 HDFC0CSBL03, money simply cannot be routed to the SADHANA SAHAKARI BANK LTD HADAPSAR branch electronically.
How to transfer money using IFSC HDFC0CSBL03
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 HDFC0CSBL03 across all three.
NEFT to HDFC Bank, SADHANA SAHAKARI BANK LTD HADAPSAR using IFSC HDFC0CSBL03
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 HDFC0CSBL03, and confirm that the system picks up HDFC Bank – SADHANA SAHAKARI BANK LTD HADAPSAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0CSBL03
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 HADAPSAR, ensure your bank's portal accepts IFSC HDFC0CSBL03 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank SADHANA SAHAKARI BANK LTD HADAPSAR (IFSC HDFC0CSBL03)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CSBL03 in your mobile or internet banking app, and the money is credited to the SADHANA SAHAKARI BANK LTD HADAPSAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0CSBL03 for HDFC Bank – SADHANA SAHAKARI BANK LTD HADAPSAR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HDFC0CSBL03 | Yes – HDFC0CSBL03 | Yes – HDFC0CSBL03 |
For most retail customers crediting the Sadhana Sahakari Bank Ltd Hadapsar 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's SADHANA SAHAKARI BANK LTD HADAPSAR branch, the IFSC HDFC0CSBL03 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Sadhana Sahakari Bank Ltd Hadapsar branch is mapped to IFSC HDFC0CSBL03 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 HDFC0CSBL03.
Products and services
Customers walking into the Sadhana Sahakari Bank Ltd Hadapsar 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 HDFC0CSBL03
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 HDFC0CSBL03 and the account number together uniquely identify the Sadhana Sahakari Bank Ltd Hadapsar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0CSBL03
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SADHANA SAHAKARI BANK LTD HADAPSAR 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 HDFC0CSBL03 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.
Common mistakes to avoid when using IFSC HDFC0CSBL03
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 HADAPSAR, 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:
HDFC0CSBL03. - 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 Sadhana Sahakari Bank Ltd Hadapsar branch
The branch is located at AT POST. LONI KALBHOR, TAL-HAVELI, DIST- PUNE -412 201, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Sadhana Sahakari Bank Ltd Hadapsar branch” — the verified location pin for IFSC HDFC0CSBL03 should appear at the top of the results.
- Confirm the branch is open by calling 2691-26913300 before stepping out, especially around public holidays.
- 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 HDFC0CSBL03 and your account number.
Verifying IFSC HDFC0CSBL03 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 HDFC0CSBL03 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2691-26913300.
- 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 Sadhana Sahakari Bank Ltd Hadapsar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CSBL03, however, work 24x7.
Branch address & contact
HDFC BankSadhana Sahakari Bank Ltd Hadapsar Branch
AT POST. LONI KALBHOR, TAL-HAVELI, DIST- PUNE -412 201
Pune, Maharashtra
Phone: 2691-26913300
IFSC: HDFC0CSBL03
Frequently asked questions
Where is HDFC Bank Sadhana Sahakari Bank Ltd Hadapsar branch located?
HDFC Bank's Sadhana Sahakari Bank Ltd Hadapsar branch is located at AT POST. LONI KALBHOR, TAL-HAVELI, DIST- PUNE -412 201, Pune, Maharashtra.
How quickly will an NEFT transfer using HDFC0CSBL03 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Sadhana Sahakari Bank Ltd Hadapsar reflect within 30 minutes.
What is the phone number of HDFC Bank Sadhana Sahakari Bank Ltd Hadapsar branch?
You can reach the branch at 2691-26913300 during regular banking hours.
Can I use IFSC HDFC0CSBL03 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0CSBL03 to send funds instantly.
Is IFSC HDFC0CSBL03 valid for NEFT and RTGS?
Yes. IFSC HDFC0CSBL03 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does HDFC Bank Sadhana Sahakari Bank Ltd Hadapsar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2691-26913300 to confirm.
Summary
The IFSC code HDFC0CSBL03 belongs to HDFC Bank's SADHANA SAHAKARI BANK LTD HADAPSAR branch, located at AT POST. LONI KALBHOR, TAL-HAVELI, DIST- PUNE -412 201 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.
