IFSC Code of HDFC Bank, The Karmala Urban Co-Op Bank Ltd Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, THE KARMALA URBAN CO-OP BANK LTD branch in SOLAPUR. The 11-digit IFSC HDFC0CKRMAL 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 THE KARMALA URBAN CO-OP BANK LTD 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.

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 THE KARMALA URBAN CO-OP BANK LTD branch, the IFSC HDFC0CKRMAL breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CKRMAL identifies this particular branch.

Branch details at a glance

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Karmala Urban Co-Op Bank Ltd branch — IFSC HDFC0CKRMAL — extends the bank's services to customers in and around Solapur, Maharashtra.

About this branch

The branch is located at NEAR H U CLOTH CENTER, MAIN ROAD KARMALA, DIST. SOLAPUR. It serves the Solapur 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 HDFC0CKRMAL 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 KARMALA URBAN CO-OP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CKRMAL 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 HDFC0CKRMAL the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC HDFC0CKRMAL

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 HDFC0CKRMAL across all three.

NEFT to HDFC Bank, THE KARMALA URBAN CO-OP BANK LTD using IFSC HDFC0CKRMAL

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 HDFC0CKRMAL, and confirm that the system picks up HDFC Bank – THE KARMALA URBAN CO-OP 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 HDFC0CKRMAL

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 – THE KARMALA URBAN CO-OP BANK LTD, ensure your bank's portal accepts IFSC HDFC0CKRMAL while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – THE KARMALA URBAN CO-OP BANK LTD, use IMPS. With IFSC HDFC0CKRMAL 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 Karmala Urban 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 HDFC0CKRMAL:

• 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 KARMALA URBAN CO-OP BANK LTD is still linked to IFSC HDFC0CKRMAL.

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 KARMALA URBAN CO-OP BANK LTD branch, the IFSC HDFC0CKRMAL 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 The Karmala Urban Co-Op Bank Ltd branch is mapped to IFSC HDFC0CKRMAL 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 HDFC0CKRMAL.

Products and services

Customers walking into the The Karmala Urban Co-Op Bank Ltd 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 HDFC0CKRMAL

MICR & cheque-truncation details

Cheques drawn on the The Karmala Urban Co-Op Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CKRMAL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the The Karmala Urban 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 HDFC0CKRMAL 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.

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 KARMALA URBAN CO-OP BANK LTD:

• The IFSC is exactly HDFC0CKRMAL 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 KARMALA URBAN 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.

Reaching the branch

The The Karmala Urban Co-Op Bank Ltd branch sits at NEAR H U CLOTH CENTER, MAIN ROAD KARMALA, DIST. SOLAPUR. If you are travelling from outside Solapur, search for the branch on a maps application using the bank name and locality, or call 9423326595 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 HDFC0CKRMAL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CKRMAL for HDFC Bank – THE KARMALA URBAN CO-OP 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.

Working hours

Branch counters at The Karmala Urban Co-Op 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 HDFC0CKRMAL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CKRMAL belongs to HDFC Bank's THE KARMALA URBAN CO-OP BANK LTD branch, located at NEAR H U CLOTH CENTER, MAIN ROAD KARMALA, DIST. SOLAPUR in SOLAPUR, 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.