IFSC Code of HDFC Bank, Khamgaon Urban Co-Op Bank Ltd. Branch, Maharashtra

Use this page as a one-stop reference for everything related to HDFC Bank's KHAMGAON URBAN CO-OP BANK LTD. branch in SONALA, MAHARASHTRA. The branch's IFSC code HDFC0CKUB12 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 KHAMGAON URBAN CO-OP BANK LTD. branch, the IFSC HDFC0CKUB12 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CKUB12 identifies this particular branch.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khamgaon Urban Co-Op Bank Ltd. branch — IFSC HDFC0CKUB12 — extends the bank's services to customers in and around Sonala, Maharashtra.

About this branch

The branch is located at SONALA. It serves the Sonala 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 HDFC0CKUB12 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KHAMGAON URBAN CO-OP BANK LTD. branch came to be assigned the code HDFC0CKUB12.

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 HDFC0CKUB12, money simply cannot be routed to the KHAMGAON URBAN CO-OP BANK LTD. branch electronically.

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 HDFC0CKUB12 and the account number together uniquely identify the Khamgaon Urban Co-Op 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 HDFC0CKUB12

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 HDFC0CKUB12 across all three.

NEFT to HDFC Bank, KHAMGAON URBAN CO-OP BANK LTD. using IFSC HDFC0CKUB12

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 HDFC0CKUB12, and confirm that the system picks up HDFC Bank – KHAMGAON 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 HDFC0CKUB12

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 – KHAMGAON URBAN CO-OP BANK LTD., ensure your bank's portal accepts IFSC HDFC0CKUB12 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – KHAMGAON URBAN CO-OP BANK LTD., use IMPS. With IFSC HDFC0CKUB12 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0CKUB12 for HDFC Bank – KHAMGAON URBAN CO-OP BANK LTD., 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.

For most retail customers crediting the Khamgaon Urban Co-Op Bank Ltd. 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.

UPI payments and IFSC HDFC0CKUB12

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 – KHAMGAON URBAN CO-OP BANK LTD. is still mapped to IFSC HDFC0CKUB12. 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 HDFC0CKUB12 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khamgaon Urban Co-Op Bank Ltd. branch is mapped to IFSC HDFC0CKUB12 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 HDFC0CKUB12.

Products and services

Customers walking into the Khamgaon 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 HDFC0CKUB12

Online banking and IFSC HDFC0CKUB12

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KHAMGAON URBAN CO-OP 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 HDFC0CKUB12 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 Khamgaon Urban Co-Op Bank Ltd. branch

The branch is located at SONALA, which puts it inside Sonala, the broader Buldhana district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Khamgaon Urban Co-Op Bank Ltd. branch” — the verified location pin for IFSC HDFC0CKUB12 should appear at the top of the results.
2. Confirm the branch is open by calling 7260-238624 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 HDFC0CKUB12 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 – KHAMGAON URBAN CO-OP BANK LTD.:

• The IFSC is exactly HDFC0CKUB12 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 KHAMGAON 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.

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 Khamgaon Urban 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 HDFC0CKUB12, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CKUB12 for HDFC Bank – KHAMGAON 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CKUB12 belongs to HDFC Bank's KHAMGAON URBAN CO-OP BANK LTD. branch, located at SONALA in SONALA, 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.