HDFC Bank (HDFC) IFSC Code — Complete Guide
HDFC Bank is India's largest private sector bank by assets and market capitalisation. Founded in 1994 as part of HDFC Group, the bank has grown to over 8,300 branches and 20,000+ ATMs across India. Known for its technology-first approach, HDFC Bank is consistently ranked among the best managed banks in India and is the country's most valuable bank by market cap.
How to Find HDFC IFSC Code
- Use the search tool above — select state, district and branch
- Check your HDFC cheque book — IFSC printed at top of every leaf
- Open your HDFC passbook — front page shows IFSC code
- Log in to HDFC net banking → Account Details
Using HDFC IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code HDFCINBB (not IFSC) for overseas transfers.
NEFT, RTGS and IMPS Timings
- NEFT: Available 24×7 including weekends. Settled in 30-minute batches. No minimum amount.
- RTGS: Available 24×7. Minimum ₹2 lakh. Real-time gross settlement.
- IMPS: Instant 24×7. Up to ₹5 lakh per transaction. Credited immediately.
Difference Between IFSC and MICR Code
IFSC (11 alphanumeric characters) is used for online transfers — NEFT, RTGS, IMPS. MICR (9 numeric digits) is printed at the bottom of cheques using magnetic ink for cheque clearing. IFSC is for digital transfers; MICR is for paper cheques. Both are branch-specific and unique per branch.
How to Verify an IFSC Code
Always verify IFSC codes before initiating transfers, especially for large amounts. Use the search tool above to cross-check any IFSC against the official database. An IFSC code should be exactly 11 characters, start with 4 letters (bank code), have a 0 as the 5th character, and end with 6 alphanumeric characters.