HDFC Bank
Browse official IFSC codes, MICR details, branch addresses, and customer support information for 11,007 branches of HDFC Bank across India.
About HDFC Bank IFSC Codes & Routing Information
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier assigned by the Reserve Bank of India (RBI) to identify branches of HDFC Bank. The code format begins with HDFC, followed by control zero 0, and ends with the 6-digit branch identifier.
Use official HDFC Bank branch IFSC codes to route electronic transfers including NEFT, RTGS, IMPS, and UPI payments securely through Indian central payment clearing systems.
HDFC Bank Balance Check, Missed Call & SMS Banking Numbers
Instant balance enquiry numbers, mini-statement SMS formats, WhatsApp banking, and 24x7 emergency helplinesAccount Balance
Call from your registered mobile number to receive your balance immediately via SMS.
Last 3 - 5 Txns
Call 1800 270 3322 to get your last 3 transactions delivered straight to your SMS inbox.
WhatsApp Assistant
HDFC Bank ChatBanking for 90+ banking services including balance check, FD booking, and bill payments.
Block ATM Debit Card
Immediate Debit / Credit Card Hotlisting to prevent fraud.
2. 24x7 Customer Care & Helpline Numbers
3. SMS Banking Syntax & SMS Shortcodes
| Banking Service | SMS Command / Format | Send SMS To | Notes / Information |
|---|---|---|---|
| Balance Enquiry |
bal
|
5676712 | Receive balance on SMS |
| Mini Statement |
txn
|
5676712 | Receive recent transactions |
| Cheque Book Order |
chq
|
5676712 | Dispatches cheque book to home address |
| Account Statement Email |
estmt <Cust ID> <From MM/YY> <To MM/YY>
|
5676712 | Detailed email statement |
How to use Missed Call & SMS Banking
- Registered Mobile Number: The missed call or SMS must be sent exclusively from the mobile SIM linked to your bank account.
- One-Time Activation: SMS REGISTER <Customer ID> <Last 5 digits of A/C> to 5676712 (Register once to unlock all SMS banking services.).
- Zero Toll Charges: The call disconnects automatically after 1 or 2 rings without any call cost. The bank delivers the account summary via SMS within 10 to 30 seconds.
HDFC Bank Retail Banking, Account Types & Debit Cards
Verified retail banking specifications, minimum balance (MAB) rules, and card withdrawal limits1. Popular Savings & Deposit Account Types
HDFC Regular Savings Account
HDFC NetBanking, SmartBuy merchant cashback rewards, and Millennia / MoneyBack card integration.
HDFC DigiSave Youth / InstaAccount
Instant digital account opening via Video KYC with instant virtual debit card generated.
HDFC Corporate Salary Account
Zero minimum balance requirement, free Millennia debit card, and zero charges on domestic ATM withdrawals.
HDFC Basic Savings (BSBDA)
No minimum balance required under RBI mandate, free RuPay debit card, and 4 free monthly cash withdrawals.
2. Minimum Balance (MAB/AMB) Requirements by Location
| Branch Location / Tier | Minimum Balance Required | Non-Maintenance Penalty |
|---|---|---|
| Metro & Urban Branches | ₹10,000 Average Monthly Balance (AMB) |
₹150 – ₹600 + GST per month (shortfall percentage based)
Per RBI mandate, banks cannot turn savings account balances negative.
|
| Semi-Urban Branches | ₹5,000 Average Monthly Balance (AMB) | |
| Rural Branches | ₹2,500 Average Monthly Balance (or ₹10,000 1-yr Fixed Deposit) |
3. Popular Debit Card Variants & Daily Transaction Limits
HDFC Millennia Debit Card
5% cashback on Amazon, Flipkart, SmartBuy, and 1% cashback on offline wallet/POS spends + 4 domestic lounge visits/yr.
HDFC MoneyBack / Rewards Card
Reward points on groceries, fuel surcharge waiver, and contactless tap-and-pay security.
HDFC RuPay Platinum Card
Domestic airport lounge access, merchant bill pay discounts, and ₹2 Lakh accidental insurance.
Digital Account Opening & Video KYC Prerequisites
Open a paperless savings account online in 5-10 minutes with Aadhaar OTP authentication and live Video KYC.
Browse HDFC Bank Branches by State / Union Territory
Select your state below to find the specific branch, IFSC code, and district clearing center.
All HDFC Bank Branches
Showing active branches and verified IFSC codes for RTGS/NEFT/IMPS transfers.
Customer Support & Grievance Redressal Mechanism
If you encounter issues with failed electronic fund transfers (NEFT/RTGS/IMPS) or incorrect branch processing at HDFC Bank, you can follow the structured RBI escalation path:
Branch Manager / Customer Care
Lodge your complaint with the local branch manager or call the toll-free customer helpline. Obtain a complaint reference token.
Internal Grievance Cell
If unresolved within 10 days, escalate to the bank's Principal Nodal Officer (PNO) or Chief Quality Care officer at the corporate headquarters.
RBI Banking Ombudsman
If the grievance remains unresolved for over 30 days, file an online complaint at the RBI CMS portal (cms.rbi.org.in) under the Integrated Ombudsman Scheme.
UPI 0.4% Merchant Charges & Limits (NPCI Guidelines)
Understanding the 0.4% MDR on payments above ₹2,000, fee caps & consumer exemptionsZero Cost to Users
All personal transfers (P2P) and purchases made by customers are 100% FREE (₹0 fees). Surcharging customers is illegal.
Commercial Merchants
A 0.4% MDR applies to commercial merchant transactions above ₹2,000 (capped at ₹300). Small vendors (≤ ₹1L/month) are exempt.
NEFT / RTGS / IMPS
Online NEFT & RTGS are free per RBI rules for savings accounts. IMPS allows instant transfers up to ₹5 Lakh around the clock.
Frequently Asked Questions: HDFC Bank
0), and ends with a 6-character branch code. You can locate any branch using the state and district directory above.