IFSC Code of Hutatma Sahakari Bank Ltd, Karad Branch, Maharashtra

Use this page as a one-stop reference for everything related to Hutatma Sahakari Bank Ltd's KARAD branch in KARAD, MAHARASHTRA. The branch's IFSC code HUSB0000017 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 Hutatma Sahakari Bank Ltd's KARAD branch, the IFSC HUSB0000017 breaks down as follows: HUSB identifies the bank, 0 is the reserved character, and 000017 identifies this particular branch.

About the bank

Hutatma Sahakari Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karad branch in Karad, Maharashtra is part of this network and uses the IFSC code HUSB0000017 for all electronic settlement.

About the Karad branch

The Karad branch of Hutatma Sahakari Bank Ltd is situated at DEEPAK PRIDE,NEAR AXIS BANK,BHEDA CHOWK,SHANIWAR PETH,DIST-SATARA. 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 HUSB0000017 is used.

Branch details at a glance

Why every Hutatma Sahakari Bank Ltd 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 KARAD of Hutatma Sahakari Bank Ltd — its own 11-character IFSC. The code HUSB0000017 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 HUSB0000017 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Hutatma Sahakari Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HUSB0000017 and the account number together uniquely identify the Karad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC HUSB0000017

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 HUSB0000017 across all three.

How to use IFSC HUSB0000017 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Hutatma Sahakari Bank Ltd's KARAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HUSB0000017.
4. Confirm the bank name auto-populates as Hutatma Sahakari Bank Ltd and the branch as KARAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KARAD

If you need to transfer ₹2 lakh or more in one go to an account at Hutatma Sahakari Bank Ltd's KARAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HUSB0000017 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Hutatma Sahakari Bank Ltd – KARAD, use IMPS. With IFSC HUSB0000017 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 Karad

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 HUSB0000017:

• 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 KARAD is still linked to IFSC HUSB0000017.

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 Hutatma Sahakari Bank Ltd's KARAD branch, the IFSC HUSB0000017 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 Karad branch is mapped to IFSC HUSB0000017 on the RBI payments network. The branch generally supports the full retail product catalogue of Hutatma Sahakari Bank Ltd, 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 HUSB0000017.

Banking services available

The Karad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2164-223389.

• 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 HUSB0000017

Online banking and IFSC HUSB0000017

Hutatma Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the KARAD 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 HUSB0000017 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 Karad branch

The branch is located at DEEPAK PRIDE,NEAR AXIS BANK,BHEDA CHOWK,SHANIWAR PETH,DIST-SATARA, which puts it inside Karad, the broader Karad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Hutatma Sahakari Bank Ltd Karad branch” — the verified location pin for IFSC HUSB0000017 should appear at the top of the results.
2. Confirm the branch is open by calling 2164-223389 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 HUSB0000017 and your account number.

Common mistakes to avoid when using IFSC HUSB0000017

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 Hutatma Sahakari Bank Ltd – KARAD, 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: HUSB0000017.
• 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.

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 Karad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HUSB0000017, however, work 24x7.

Verifying IFSC HUSB0000017 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 HUSB0000017 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2164-223389.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: HUSB0000017 is the IFSC code of Hutatma Sahakari Bank Ltd, KARAD branch, in KARAD, MAHARASHTRA. 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.