IFSC Code of HDFC Bank, Kashmir Mercantile Co Op Bank Ltd Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, KASHMIR MERCANTILE CO OP BANK LTD branch in SOPORE. The 11-digit IFSC HDFC0CKAMCO 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 KASHMIR MERCANTILE 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 KASHMIR MERCANTILE CO OP BANK LTD branch, the IFSC HDFC0CKAMCO breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CKAMCO 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 Kashmir Mercantile Co Op Bank Ltd branch — IFSC HDFC0CKAMCO — extends the bank's services to customers in and around Sopore, Jammu and Kashmir.

About the Kashmir Mercantile Co Op Bank Ltd branch

The Kashmir Mercantile Co Op Bank Ltd branch of HDFC Bank is situated at TEHSIL ROAD, SOPORE PIN CODE-193201. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0CKAMCO is used.

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 KASHMIR MERCANTILE CO OP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CKAMCO 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 HDFC0CKAMCO 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 HDFC0CKAMCO

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 HDFC0CKAMCO across all three.

NEFT to HDFC Bank, KASHMIR MERCANTILE CO OP BANK LTD using IFSC HDFC0CKAMCO

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 HDFC0CKAMCO, and confirm that the system picks up HDFC Bank – KASHMIR MERCANTILE 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 KASHMIR MERCANTILE CO OP BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KASHMIR MERCANTILE CO OP BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0CKAMCO 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 – KASHMIR MERCANTILE CO OP BANK LTD, use IMPS. With IFSC HDFC0CKAMCO 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 Kashmir Mercantile 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 HDFC0CKAMCO:

• 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 KASHMIR MERCANTILE CO OP BANK LTD is still linked to IFSC HDFC0CKAMCO.

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.

UPI payments and IFSC HDFC0CKAMCO

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 – KASHMIR MERCANTILE CO OP BANK LTD is still mapped to IFSC HDFC0CKAMCO. 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 HDFC0CKAMCO and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kashmir Mercantile Co Op Bank Ltd branch is mapped to IFSC HDFC0CKAMCO 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 HDFC0CKAMCO.

Products and services

Customers walking into the Kashmir Mercantile 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 HDFC0CKAMCO

MICR & cheque-truncation details

Cheques drawn on the Kashmir Mercantile 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 HDFC0CKAMCO for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0CKAMCO

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KASHMIR MERCANTILE 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 HDFC0CKAMCO 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.

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 – KASHMIR MERCANTILE CO OP BANK LTD:

• The IFSC is exactly HDFC0CKAMCO 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 KASHMIR MERCANTILE 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 Kashmir Mercantile Co Op Bank Ltd branch sits at TEHSIL ROAD, SOPORE PIN CODE-193201. If you are travelling from outside Sopore, search for the branch on a maps application using the bank name and locality, or call 91-9697008919 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 HDFC0CKAMCO and your account number.

Verifying IFSC HDFC0CKAMCO 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 HDFC0CKAMCO by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9697008919.
• 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 Kashmir Mercantile 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 HDFC0CKAMCO, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CKAMCO belongs to HDFC Bank's KASHMIR MERCANTILE CO OP BANK LTD branch, located at TEHSIL ROAD, SOPORE PIN CODE-193201 in SOPORE, JAMMU AND KASHMIR. 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.