IFSC Code of HDFC Bank, Udyam Vikas Sahakari Bank Ltd Pune Branch, Maharashtra

Below are the complete branch details for HDFC Bank, UDYAM VIKAS SAHAKARI BANK LTD PUNE branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CUDYAM. 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 HDFC0CUDYAM for HDFC Bank – UDYAM VIKAS SAHAKARI BANK LTD PUNE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 UDYAM VIKAS SAHAKARI BANK LTD PUNE branch, the IFSC HDFC0CUDYAM breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CUDYAM identifies this particular branch.

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Udyam Vikas Sahakari Bank Ltd Pune branch in Pune, Maharashtra is part of this network and uses the IFSC code HDFC0CUDYAM for all electronic settlement.

Udyam Vikas Sahakari Bank Ltd Pune branch overview

Located at 8/6, ERANDWANA,BEHIND KARVE ROAD TELEPHONE EXCHANGE, KARVE ROAD, PUNE-411004, the Udyam Vikas Sahakari Bank Ltd Pune branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0CUDYAM is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 UDYAM VIKAS SAHAKARI BANK LTD PUNE of HDFC Bank — its own 11-character IFSC. The code HDFC0CUDYAM 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 HDFC0CUDYAM 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 HDFC0CUDYAM and the account number together uniquely identify the Udyam Vikas Sahakari Bank Ltd Pune branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC HDFC0CUDYAM

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 HDFC0CUDYAM across all three.

How to use IFSC HDFC0CUDYAM for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's UDYAM VIKAS SAHAKARI BANK LTD PUNE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0CUDYAM.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as UDYAM VIKAS SAHAKARI BANK LTD PUNE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to UDYAM VIKAS SAHAKARI BANK LTD PUNE

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's UDYAM VIKAS SAHAKARI BANK LTD PUNE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CUDYAM 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 – UDYAM VIKAS SAHAKARI BANK LTD PUNE, use IMPS. With IFSC HDFC0CUDYAM 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 Udyam Vikas Sahakari Bank Ltd Pune

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 HDFC0CUDYAM:

• 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 UDYAM VIKAS SAHAKARI BANK LTD PUNE is still linked to IFSC HDFC0CUDYAM.

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.

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 UDYAM VIKAS SAHAKARI BANK LTD PUNE branch, the IFSC HDFC0CUDYAM 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.

Account types you can open at the Udyam Vikas Sahakari Bank Ltd Pune branch

Once you have an account at HDFC Bank – UDYAM VIKAS SAHAKARI BANK LTD PUNE, the IFSC HDFC0CUDYAM 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.

Banking services available

The Udyam Vikas Sahakari Bank Ltd Pune branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-25424320.

• 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 HDFC0CUDYAM

Online banking and IFSC HDFC0CUDYAM

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the UDYAM VIKAS SAHAKARI BANK LTD PUNE 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 HDFC0CUDYAM 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.

How to reach the Udyam Vikas Sahakari Bank Ltd Pune branch

The branch is located at 8/6, ERANDWANA,BEHIND KARVE ROAD TELEPHONE EXCHANGE, KARVE ROAD, PUNE-411004, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Udyam Vikas Sahakari Bank Ltd Pune branch” — the verified location pin for IFSC HDFC0CUDYAM should appear at the top of the results.
2. Confirm the branch is open by calling 20-25424320 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 HDFC0CUDYAM and your account number.

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 – UDYAM VIKAS SAHAKARI BANK LTD PUNE:

• The IFSC is exactly HDFC0CUDYAM 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 UDYAM VIKAS SAHAKARI BANK LTD PUNE 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.

Working hours

Branch counters at Udyam Vikas Sahakari Bank Ltd Pune 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 HDFC0CUDYAM continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CUDYAM for HDFC Bank – UDYAM VIKAS SAHAKARI BANK LTD PUNE, 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

Frequently asked questions

Summary

The IFSC code HDFC0CUDYAM belongs to HDFC Bank's UDYAM VIKAS SAHAKARI BANK LTD PUNE branch, located at 8/6, ERANDWANA,BEHIND KARVE ROAD TELEPHONE EXCHANGE, KARVE ROAD, PUNE-411004 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.