HDFC Bank IFSC Code & MICR Code Directory

The IFSC code is a unique identifier assigned by the regulatory authority to every bank and its branches. You can usually find the IFSC code printed on your bank account passbook or cheque leaf or by searching the regulatory authority's website. A valid IFSC is essential for processing any fund transfer through methods like NEFT, RTGS, or IMPS.

You can find the HDFC Bank IFSC and MICR codes online on several third-party websites, or you can visit the bank's website for the same information. The bottom half of the cheque leaf is typically printed with MICR, which stands for Magnetic Ink Character Recognition Code. The first page of the bank passbook also contains the MICR and IFSC codes. Checks are cleared using this method more quickly and accurately. In addition, the bank prints both keys on the cheque leaf. As a result, this information is also accessible to the customer.

The IFSC code is typically available on a bank's cheque leaf and passbook.

The regulatory authority's official website provides a complete list of banks and their branch-wise IFSC codes.

You can also find the IFSC code of a specific bank or branch on the respective bank's official website.

The regulatory bank has implemented the IFSC code system to expedite and guarantee safe money transfers. Every bank branch, including those of the same bank in the same city, is given a distinct IFSC code. For instance, although both branches are in Bengaluru, the HDFC IFSC codes for the Indiranagar and Domlur Layout branches are HDFC0000184 and HDFC0003882, respectively.

The first four characters in the IFSC's 11-character code stand for the bank's name, and the final six characters indicate the bank's branch. Typically, the fifth character, 0 (zero), is saved for later use. The IFSC format is as follows.

A bank passbook and a cheque leaf both contain the MICR code.
The bank's website may also provide the MICR code.

You can transfer money to any bank branch, including other HDFC Bank branches, with ease and security when you use HDFC Bank. In addition to your other HDFC accounts, you can use NEFTs, RTGSs, and IMPSs to move funds to accounts with any other bank.

The newly introduced e-Monies National Electronic Funds Transfer from HDFC is is a new electronic fund transfer service that makes money transfers simple, hassle-free, and convenient. Using this, customers can move money between Indian banks using the well-known National Electronic Funds Transfer (NEFT) electronic payment system. For transactions up to Rs. 5 lakhs, HDFC Bank offers NEFT services, which makes it a practical choice for smaller transactions. Starting a NEFT transfer is a simple procedure that is similar to Real-Time Gross Settlement (RTGS).

1. Collect the NEFT Form:
Visit your nearest HDFC Bank branch and ask for the Fund Transfer Instruction Form.

2. Fill in the Details:

Recipient Name: Full name of the person or business you're sending money to.
Account Number & Type: Mention the recipient's account number and type (savings/current).
Bank Details: Enter the recipient's bank name, branch, and IFSC code—this uniquely identifies the destination branch.
Amount: Specify the transfer amount.
Remarks (Optional): Add a short note for the recipient to identify the purpose of the transfer.

3. Submit the Form:
Hand over the completed form at the branch counter. A bank representative will verify the details and process the transaction.

You can also log in to HDFC NetBanking or MobileBanking to initiate an NEFT transfer quickly and securely; no branch visit is required.

Depending on the amount being transferred, HDFC Bank charges a small fee for NEFT transactions. The charges are as follows:

NEFT Transactions through NetBanking & MobileBanking: NEFT transactions done online are free (w.e.f. 1st Nov 2017).
NEFT Transactions through HDFC Bank Branches:
Current Charges:

Online NEFT: Available 24x7, including weekends and holidays.
Branch NEFT: Available during regular working hours of the respective HDFC Bank branch.

Real-time Gross Settlement, or RTGS, is a fast and secure method of transferring funds in real time with immediate settlement. Unlike other methods, RTGS doesn't involve delays from inter-bank or clearing house processes. It's also not restricted by geography, making it ideal for both domestic and select international transactions.
Branch transactions: No upper limit on the amount.
New online transactions: Daily limits typically range from ₹2 lakh to ₹50 lakh, depending on the bank's policy.

1. Select Your Channel:

Net Banking: Access your HDFC Bank account online.

Branch Visit: For an in-person transfer, go to the branch that is closest to you.

2. For branch transfers, complete the Fund Transfer Instruction Form:
Provide the following details:

Recipient's Name: The complete name of the individual or organisation that is getting the money.
Provide the recipient's account number and type (current or savings).
Bank Name, Branch, and IFSC Code: Verify the IFSC to ensure proper fund routing.
Transfer Amount: State the sum that needs to be moved.
Remarks (Optional): Include a note outlining the transfer's goal.

3. Submit the Form:

At the Branch: Give the completed form to a bank employee.

Online: To finish the transfer, enter the information using Net Banking and adhere to the on-screen directions.

RTGS Transactions through NetBanking & MobileBanking: RTGS transactions done online are free (w.e.f. 1st Nov 2017).
RTGS Transactions through HDFC Bank Branches:
Current Charges:

HDFC Bank provides an instant interbank fund transfer option called IMPS or Immediate Payment Service. Customers can send and receive money around-the-clock, even on Sundays and bank holidays.

It is a quick and dependable method of transferring money at any time because, as the name suggests, money is immediately credited to the recipient's account.

IMPS Transaction Charges (Online Transactions)
Current Charges: