Below are the complete branch details for HDFC Bank, KOCHULLOOR branch, located in TRIVANDRUM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0010612. 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 HDFC0010612 for HDFC Bank – KOCHULLOOR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for HDFC Bank – KOCHULLOOR is HDFC0010612. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 010612 map to this branch in TRIVANDRUM, KERALA.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Kochulloor branch in Trivandrum. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HDFC0010612.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kochulloor |
| IFSC Code | HDFC0010612 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD GROUND FLOOR ASTER SQUARE MEDICAL COLLEGE ULLOOR RD ULLOOR THIRUVANANTHAPUR TRIVANDRUM KERALA 695011 |
| City | Trivandrum |
| District | Trivandrum |
| State | Kerala |
| STD Code | 1800 |
| Phone | 2026161 |
About the Kochulloor branch
The Kochulloor branch of HDFC Bank is situated at HDFC BANK LTD GROUND FLOOR ASTER SQUARE MEDICAL COLLEGE ULLOOR RD ULLOOR THIRUVANANTHAPUR TRIVANDRUM KERALA 695011. 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 HDFC0010612 is used.
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 KOCHULLOOR branch came to be assigned the code HDFC0010612.
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 HDFC0010612, money simply cannot be routed to the KOCHULLOOR branch electronically.
Account types you can open at the Kochulloor branch
Once you have an account at HDFC Bank – KOCHULLOOR, the IFSC HDFC0010612 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.
Products and services
Customers walking into the Kochulloor 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 HDFC0010612
How to transfer money using IFSC HDFC0010612
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 HDFC0010612 across all three.
NEFT to HDFC Bank, KOCHULLOOR using IFSC HDFC0010612
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 HDFC0010612, and confirm that the system picks up HDFC Bank – KOCHULLOOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOCHULLOOR
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KOCHULLOOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0010612 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank KOCHULLOOR (IFSC HDFC0010612)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0010612 in your mobile or internet banking app, and the money is credited to the KOCHULLOOR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kochulloor
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 HDFC0010612:
- 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 KOCHULLOOR is still linked to IFSC HDFC0010612.
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 KOCHULLOOR branch, the IFSC HDFC0010612 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.
Online banking and IFSC HDFC0010612
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KOCHULLOOR 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 HDFC0010612 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.
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 HDFC0010612 and the account number together uniquely identify the Kochulloor 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 – KOCHULLOOR:
- The IFSC is exactly HDFC0010612 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 KOCHULLOOR 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 Kochulloor branch
The branch is located at HDFC BANK LTD GROUND FLOOR ASTER SQUARE MEDICAL COLLEGE ULLOOR RD ULLOOR THIRUVANANTHAPUR TRIVANDRUM KERALA 695011, which puts it inside Trivandrum, the broader Trivandrum district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Kochulloor branch” — the verified location pin for IFSC HDFC0010612 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 before stepping out, especially around public holidays.
- 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 HDFC0010612 and your account number.
Verifying IFSC HDFC0010612 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 HDFC0010612 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- 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 Kochulloor branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0010612, however, work 24x7.
Branch address & contact
HDFC BankKochulloor Branch
HDFC BANK LTD GROUND FLOOR ASTER SQUARE MEDICAL COLLEGE ULLOOR RD ULLOOR THIRUVANANTHAPUR TRIVANDRUM KERALA 695011
Trivandrum, Kerala
Phone: 1800-2026161
IFSC: HDFC0010612
Frequently asked questions
Is IFSC HDFC0010612 the same for all accounts at Kochulloor branch?
Yes. The IFSC HDFC0010612 is shared by every account held at HDFC Bank's Kochulloor branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Kochulloor as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0010612, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HDFC0010612 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0010612 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kochulloor branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0010612 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Kochulloor reflect within 30 minutes.
Where is HDFC Bank Kochulloor branch located?
HDFC Bank's Kochulloor branch is located at HDFC BANK LTD GROUND FLOOR ASTER SQUARE MEDICAL COLLEGE ULLOOR RD ULLOOR THIRUVANANTHAPUR TRIVANDRUM KERALA 695011, Trivandrum, Kerala.
Final notes
To recap: HDFC0010612 is the IFSC code of HDFC Bank, KOCHULLOOR branch, in TRIVANDRUM, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
