IFSC Code of HDFC Bank, The Veraval Mercantile Co-Op Bank L Branch, Gujarat

If you are searching for the IFSC code of HDFC Bank, THE VERAVAL MERCANTILE CO-OP BANK L branch in VERAVAL, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is HDFC0CVMCBA. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE VERAVAL MERCANTILE CO-OP BANK L branch, and detailed step-by-step guides for using the IFSC HDFC0CVMCBA across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 VERAVAL MERCANTILE CO-OP BANK L branch, the IFSC HDFC0CVMCBA breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CVMCBA identifies this particular branch.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the The Veraval Mercantile Co-Op Bank L branch in Veraval. 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, HDFC0CVMCBA.

About the The Veraval Mercantile Co-Op Bank L branch

The The Veraval Mercantile Co-Op Bank L branch of HDFC Bank is situated at SUVAS, 1ST FLOOR, JUNAGADH ROAD, VERAVAL - 362266. 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 HDFC0CVMCBA is used.

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 THE VERAVAL MERCANTILE CO-OP BANK L branch came to be assigned the code HDFC0CVMCBA.

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 HDFC0CVMCBA, money simply cannot be routed to the THE VERAVAL MERCANTILE CO-OP BANK L branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Veraval Mercantile Co-Op Bank L branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CVMCBA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC HDFC0CVMCBA

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 HDFC0CVMCBA across all three.

NEFT to HDFC Bank, THE VERAVAL MERCANTILE CO-OP BANK L using IFSC HDFC0CVMCBA

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 HDFC0CVMCBA, and confirm that the system picks up HDFC Bank – THE VERAVAL MERCANTILE CO-OP BANK L. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0CVMCBA

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 VERAVAL MERCANTILE CO-OP BANK L, ensure your bank's portal accepts IFSC HDFC0CVMCBA while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank THE VERAVAL MERCANTILE CO-OP BANK L (IFSC HDFC0CVMCBA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CVMCBA in your mobile or internet banking app, and the money is credited to the THE VERAVAL MERCANTILE CO-OP BANK L branch account within seconds.

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

All three modes accept the IFSC HDFC0CVMCBA for HDFC Bank – THE VERAVAL MERCANTILE CO-OP BANK L, 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 The Veraval Mercantile Co-Op Bank L 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.

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 VERAVAL MERCANTILE CO-OP BANK L branch, the IFSC HDFC0CVMCBA 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.

Account types you can open at the The Veraval Mercantile Co-Op Bank L branch

Once you have an account at HDFC Bank – THE VERAVAL MERCANTILE CO-OP BANK L, the IFSC HDFC0CVMCBA 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 Veraval Mercantile Co-Op Bank L branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2876-6220209.

• 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 HDFC0CVMCBA

Digital banking channels

Most day-to-day work that customers used to do at the The Veraval Mercantile Co-Op Bank L 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 HDFC0CVMCBA 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.

How to reach the The Veraval Mercantile Co-Op Bank L branch

The branch is located at SUVAS, 1ST FLOOR, JUNAGADH ROAD, VERAVAL - 362266, which puts it inside Veraval, the broader Junagadh district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Veraval Mercantile Co-Op Bank L branch” — the verified location pin for IFSC HDFC0CVMCBA should appear at the top of the results.
2. Confirm the branch is open by calling 2876-6220209 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 HDFC0CVMCBA and your account number.

Common mistakes to avoid when using IFSC HDFC0CVMCBA

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – THE VERAVAL MERCANTILE CO-OP BANK L, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: HDFC0CVMCBA.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at The Veraval Mercantile Co-Op Bank L 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 HDFC0CVMCBA continue to work without interruption.

Verifying IFSC HDFC0CVMCBA 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 HDFC0CVMCBA by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2876-6220209.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CVMCBA belongs to HDFC Bank's THE VERAVAL MERCANTILE CO-OP BANK L branch, located at SUVAS, 1ST FLOOR, JUNAGADH ROAD, VERAVAL - 362266 in VERAVAL, GUJARAT. 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.