IFSC Code of HDFC Bank, The Sangamner Merch Co Op Bank Ltd Branch, Maharashtra

Below are the complete branch details for HDFC Bank, THE SANGAMNER MERCH CO OP BANK LTD branch, located in SANGAMNER, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CSMPAY. 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 HDFC0CSMPAY for HDFC Bank – THE SANGAMNER MERCH CO OP BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, HDFC0CSMPAY is the IFSC of HDFC Bank's THE SANGAMNER MERCH CO OP BANK LTD branch. The format is fixed: HDFC = bank code, 0 = reserved, CSMPAY = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Sangamner Merch Co Op Bank Ltd branch — IFSC HDFC0CSMPAY — extends the bank's services to customers in and around Sangamner, Maharashtra.

Branch details at a glance

About this branch

The branch is located at INDIRA GANDHI MARG NEW NAGAR ROAD SANGAMNER 422605. It serves the Sangamner 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 HDFC0CSMPAY is used to identify this branch on the RBI payments network.

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 THE SANGAMNER MERCH CO OP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CSMPAY 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 HDFC0CSMPAY the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the The Sangamner Merch Co Op Bank Ltd branch

Once you have an account at HDFC Bank – THE SANGAMNER MERCH CO OP BANK LTD, the IFSC HDFC0CSMPAY 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 The Sangamner Merch Co Op Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9423166357.

• 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 HDFC0CSMPAY

How to transfer money using IFSC HDFC0CSMPAY

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 HDFC0CSMPAY across all three.

NEFT to HDFC Bank, THE SANGAMNER MERCH CO OP BANK LTD using IFSC HDFC0CSMPAY

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 HDFC0CSMPAY, and confirm that the system picks up HDFC Bank – THE SANGAMNER MERCH CO OP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE SANGAMNER MERCH CO OP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's THE SANGAMNER MERCH CO OP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CSMPAY 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 – THE SANGAMNER MERCH CO OP BANK LTD, use IMPS. With IFSC HDFC0CSMPAY 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 The Sangamner Merch Co Op 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 HDFC0CSMPAY:

• 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 THE SANGAMNER MERCH CO OP BANK LTD is still linked to IFSC HDFC0CSMPAY.

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 THE SANGAMNER MERCH CO OP BANK LTD branch, the IFSC HDFC0CSMPAY 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Sangamner Merch Co Op Bank Ltd 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 HDFC0CSMPAY 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.

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 HDFC0CSMPAY and the account number together uniquely identify the The Sangamner Merch Co Op Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – THE SANGAMNER MERCH CO OP BANK LTD:

• The IFSC is exactly HDFC0CSMPAY 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 THE SANGAMNER MERCH CO OP BANK LTD 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 The Sangamner Merch Co Op Bank Ltd branch

The branch is located at INDIRA GANDHI MARG NEW NAGAR ROAD SANGAMNER 422605, which puts it inside Sangamner, the broader Ahmednagar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Sangamner Merch Co Op Bank Ltd branch” — the verified location pin for IFSC HDFC0CSMPAY should appear at the top of the results.
2. Confirm the branch is open by calling 91-9423166357 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 HDFC0CSMPAY and your account number.

Verifying IFSC HDFC0CSMPAY 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 HDFC0CSMPAY by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9423166357.
• 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 The Sangamner Merch Co Op Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CSMPAY, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CSMPAY belongs to HDFC Bank's THE SANGAMNER MERCH CO OP BANK LTD branch, located at INDIRA GANDHI MARG NEW NAGAR ROAD SANGAMNER 422605 in SANGAMNER, 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.