HDFC Bank IFSC code

Trust what the bank itself prints. HDFC Bank’s site now lives at hdfc.bank.in, with the branch and IFSC locator at hdfc.bank.in/branch-locator; old hdfcbank.com links redirect there.

1. 1

   Read the beneficiary’s chequebook

   Printed at the top of every leaf, above the MICR line. The RBI expects senders to take it from the beneficiary’s branch or cheque leaf, never from memory.

2. 2

   Open the app or NetBanking

   Account details shows the IFSC of the branch the account is mapped to, not the one you’re standing in.

3. 3

   Search this directory

   All 11,006 HDFC Bank codes here have a page with the IFSC and address; 10,887 also list a MICR code.

The RBI fixes the format for every Indian bank: four letters for the bank, a zero, then six characters for the branch. HDFC0000001, the lowest-numbered code here, is the Tulsiani Chambers branch at Nariman Point, Mumbai.

HDFC

Bank identifier — never changes

0

Reserved by the RBI, always zero

000001

Branch identifier — unique per branch

Any other digit in the fifth position means the code is malformed, and all 11,006 HDFC codes here obey that rule without exception — the fastest check on a hand-typed code.

All three domestic rails need the beneficiary’s branch IFSC. Which one applies depends on the amount and how fast you need it to land.

NEFT has settled round the clock since 16 December 2019 and RTGS since 14 December 2020, so the old “before 4pm on a working day” rule is gone. IMPS also accepts a mobile number and MMID, but HDFC issues MMIDs only to residents — an NRI sender needs the account number and IFSC.

Online is free; the counter is not. HDFC Bank has made NEFT and RTGS free in NetBanking and its app since 1 November 2017. Branch rates below, as published August 2026 and effective 1 August 2025.

Those sit just under the RBI’s ceilings for branch NEFT — ₹2.50, ₹5, ₹15 and ₹25 across the same bands. IMPS is charged even online, at ₹2.50, ₹5 or ₹15 by size plus GST, though inward credits are free.

These are not interchangeable. An IFSC routes money between branches inside India; a SWIFT/BIC routes it between banks across borders. HDFC Bank’s head-office BIC is HDFCINBB, one of 25 India BICs in this directory.

• From another Indian bank account: the branch IFSC alone.
• By wire from abroad: HDFCINBB first, then the branch IFSC — the bank still has to pick a branch.
• Into an NRE or NRO account: both codes plus the account type, which HDFC runs as separate products.

India took in about $151 billion in remittances in 2025, more than any other country in World Bank data. Its latest cost figure for that corridor, for 2023, is 1.76% of a $200 transfer, averaged across every remittance provider it surveys. Glide shows the rate and the fee up front on the dollar, pound, dirham and riyal routes into rupees.

The RBI’s rules are tighter than most senders expect. A bank that cannot credit an NEFT must return it within two hours of that batch settling; miss that and it owes penal interest at the LAF repo rate plus two percent, payable without a claim.

1. 01Re-check the IFSC against the beneficiary’s chequebook, not a remembered code.
2. 02Confirm the account number has no spaces or dropped leading zeros.
3. 03NEFT is credit-push only: money sent to a wrong account cannot be pulled back.
4. 04Escalate to the sending bank’s NEFT Customer Facilitation Centre.