HDFC Bank — AJAY NAGAR Branch
KOLKATA, WEST BENGAL | IFSC: HDFC0009304
About HDFC Bank — AJAY NAGAR Branch
HDFC Bank AJAY NAGAR branch is located in KOLKATA, KOLKATA district, WEST BENGAL. The IFSC code for this branch is HDFC0009304. This code is essential for all electronic fund transfers including NEFT, RTGS, and IMPS transactions. Whether you are sending money online, setting up auto-pay mandates, or linking your bank account to UPI apps, you will need this IFSC code.
What is IFSC Code?
IFSC (Indian Financial System Code) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in electronic funds transfer. The first four characters (HDFC) identify HDFC Bank, the fifth character is always 0 (reserved for future use), and the last six characters (009304) uniquely identify the AJAY NAGAR branch.
This code was introduced by RBI to facilitate electronic payment systems and is mandatory for NEFT, RTGS, and IMPS transactions across India.
MICR Code — 700240120
The MICR (Magnetic Ink Character Recognition) code for HDFC Bank AJAY NAGAR branch is 700240120. MICR is a 9-digit code printed on cheques using special magnetic ink. The first 3 digits represent the city, next 3 identify the bank, and last 3 identify the branch. This technology enables faster cheque processing through automated clearing houses across India.
How to Use IFSC Code HDFC0009304
NEFT Transfer
Use IFSC code HDFC0009304 to send money via NEFT (National Electronic Funds Transfer). NEFT operates in half-hourly batches 24×7 since December 2019. There is no minimum or maximum transaction limit. Funds are typically credited within 2 hours.
RTGS Transfer
For high-value transfers above ₹2 lakh, use RTGS (Real Time Gross Settlement) with this IFSC code. RTGS provides real-time settlement and operates from 7:00 AM to 6:00 PM on working days. The minimum amount is ₹2 lakh with no upper limit.
IMPS Transfer
IMPS (Immediate Payment Service) allows instant 24×7×365 money transfers using IFSC code HDFC0009304. The current transaction limit is ₹5 lakh per transaction, making it ideal for urgent payments.
UPI Payments
While UPI uses VPA (Virtual Payment Address) for transactions, the underlying bank account linked to your UPI ID is associated with this branch and its IFSC code HDFC0009304. You can find your IFSC code in your UPI app under account details.
Banking Services at AJAY NAGAR Branch
HDFC Bank AJAY NAGAR branch typically offers a comprehensive range of banking services: savings and current accounts, fixed deposits (FD), recurring deposits (RD), home loans, personal loans, vehicle loans, education loans, credit and debit cards, internet banking, mobile banking, safe deposit lockers, foreign exchange services, insurance products, and investment advisory services.
Most HDFC Bank branches operate from Monday to Saturday (except 2nd and 4th Saturday). Working hours are generally 10:00 AM to 4:00 PM, though this may vary by location.
HDFC Bank in KOLKATA, WEST BENGAL
The AJAY NAGAR branch serves customers in KOLKATA and the wider KOLKATA district of WEST BENGAL. As one of India's leading banks, HDFC Bank maintains a strong presence across WEST BENGAL with multiple branches and ATMs to serve millions of customers.
Frequently Asked Questions
The IFSC code of HDFC Bank AJAY NAGAR branch is HDFC0009304. This code is verified against RBI records and is used for NEFT, RTGS, and IMPS transactions.
HDFC Bank AJAY NAGAR branch is located in KOLKATA, KOLKATA, WEST BENGAL.
The MICR code of HDFC Bank AJAY NAGAR branch is 700240120. MICR codes are used for cheque processing.
You can use IFSC code HDFC0009304 for NEFT, RTGS, or IMPS transfers. Log into your net banking, select fund transfer, enter the beneficiary account number, and use HDFC0009304 as the IFSC code.
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