HDFC Bank – PHAGWARA – PUNJAB
Last verified: 25-10-2026
IFSC Code: HDFC0000055
MICR Code: 144240202
SWIFT Code: HDFCINBB
Branch details
Address: KALRA COMPLEXGT ROAD, OPP. HANUMAN GARHIPHAGWARAPUNJAB144401
City: PHAGWARA
State: PUNJAB
Contact: +919815331111
How to Use IFSC Code ‘HDFC0000055’ for Bank Transfers
HDFC0000055 is the IFSC code for the HDFC Bank. The IFSC is used to identify the beneficiary bank branch for electronic fund transfers such as NEFT and RTGS.
NEFT
To send money through NEFT, enter the beneficiary’s:
- Account holder name
- Bank account number
- IFSC code: HDFC0000055
- Bank name: HDFC Bank
- Branch name: PHAGWARA
Make sure the account number and IFSC are correct before confirming the transaction. RBI guidance emphasizes the importance of providing correct beneficiary account details.
RTGS
RTGS transactions are available for amounts of ₹2 lakh and above, subject to applicable bank guidelines.
Enter HDFC0000055 as the beneficiary’s IFSC when your bank asks for the branch IFSC.
IMPS
IMPS can be used for instant bank transfers when supported by your bank. When adding a beneficiary, enter the correct HDFC Bank account number and IFSC where your banking app requires it.
How to Verify HDFC0000055 Before Transferring Money
Before making a transfer:
- Confirm that the IFSC is HDFC0000055.
- Check that the bank name and branch match the beneficiary’s details.
- Carefully verify the account number.
- Confirm the beneficiary name shown by your banking application, where available.
- If you have any doubt, verify the details with the beneficiary or HDFC Bank before sending money.
Important: An incorrect account number can result in funds being credited incorrectly. RBI guidance says the account number is relied upon for crediting the beneficiary, so it should be checked carefully.
Indian Financial System Code (IFSC): HDFC0000055
The IFSC is an 11-character alphanumeric code used to identify bank branches in India for electronic payment systems such as RTGS, NEFT, IMPS, and CFMS (managed by the Reserve Bank of India).
- The first four characters represent the bank name.
- The fifth character is always ‘0’ and is reserved for future use.
- The last six characters (000055) identify the specific branch.
How to Use SWIFT Code ‘HDFCINBB’ for International Transfers
HDFCINBB is the SWIFT/BIC code associated with HDFC Bank Branch in PHAGWARA, IN. A SWIFT or BIC code is used to identify a bank or financial institution when sending or receiving international payments.
- HDFCINBB Bank Details
- Bank: HDFC Bank
- Branch:
- SWIFT/BIC Code: HDFCINBB
- City: PHAGWARA
- Country: IN
- How to Use HDFCINBB for International Money Transfers
If you are sending money internationally to an account at [Bank], your bank may ask for the beneficiary’s:
- Account holder name
- Bank account number or IBAN, where applicable
- Bank name
- Bank address
- SWIFT/BIC code: HDFCINBB
Enter the SWIFT/BIC code exactly as provided by the beneficiary or receiving bank.
How to Verify HDFCINBB Before Sending Money
Before making an international transfer, verify:
- The SWIFT/BIC code is HDFCINBB.
- The bank name is HDFC Bank.
- The branch and bank location are correct.
- The beneficiary’s account number or IBAN is correct.
- The beneficiary’s name matches the information provided by the receiving bank.
If you are unsure whether the SWIFT/BIC code is correct or active, confirm the details with the receiving bank before sending money.
SWIFT Code (BIC): HDFCINBB
A SWIFT code, also known as a Business Identifier Code (BIC), is a standardized format used to identify banks and financial institutions worldwide. It acts as a unique international identifier that specifies both the bank and its location.
These codes are primarily used for transferring money between banks, especially for international wire transfers and SEPA payments. Additionally, SWIFT codes are used for secure communication and message exchange between financial institutions.
SWIFT Code Format: HDFCINBB
- Bank Code: Identifies the bank (usually 4 letters)
- Country Code: Represents the country (2 letters – ISO standard)
- Location Code: Indicates the city or location of the bank (2 characters: letters or numbers)
- Branch Code: Specifies the branch (3 characters)
HDFC
Bank Code
IN
Country Code
BB
Location Code
XXX
Branch Code
MICR Code (Magnetic Ink Character Recognition): 144240202
The MICR code is a unique code printed on cheques using magnetic ink. It helps in the secure and faster processing and clearance of cheques by identifying the bank and branch.
