IFSC Code of HDFC Bank, Kharsiya Road Ambikapur Branch, Chhattisgarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, KHARSIYA ROAD AMBIKAPUR branch in AMBIKAPUR. The 11-digit IFSC HDFC0009495 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the KHARSIYA ROAD AMBIKAPUR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for HDFC Bank – KHARSIYA ROAD AMBIKAPUR is HDFC0009495. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009495 map to this branch in AMBIKAPUR, CHHATTISGARH.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kharsiya Road Ambikapur branch in Ambikapur, Chhattisgarh is part of this network and uses the IFSC code HDFC0009495 for all electronic settlement.

About the Kharsiya Road Ambikapur branch

The Kharsiya Road Ambikapur branch of HDFC Bank is situated at GROUND FLR BESIDE BASANT FILLING STATION KHARSIYA RD AMBIKAPUR SURGUJA AMBIKAPUR CHHATTISGARH 497001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0009495 is used.

Why every HDFC Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KHARSIYA ROAD AMBIKAPUR of HDFC Bank — its own 11-character IFSC. The code HDFC0009495 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC HDFC0009495 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC HDFC0009495

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC HDFC0009495 across all three.

How to use IFSC HDFC0009495 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's KHARSIYA ROAD AMBIKAPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0009495.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as KHARSIYA ROAD AMBIKAPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KHARSIYA ROAD AMBIKAPUR

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KHARSIYA ROAD AMBIKAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0009495 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank KHARSIYA ROAD AMBIKAPUR (IFSC HDFC0009495)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009495 in your mobile or internet banking app, and the money is credited to the KHARSIYA ROAD AMBIKAPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kharsiya Road Ambikapur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC HDFC0009495:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KHARSIYA ROAD AMBIKAPUR is still linked to IFSC HDFC0009495.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's KHARSIYA ROAD AMBIKAPUR branch, the IFSC HDFC0009495 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Kharsiya Road Ambikapur branch is mapped to IFSC HDFC0009495 on the RBI payments network. The branch generally supports the full retail product catalogue of HDFC Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains HDFC0009495.

Banking services available

The Kharsiya Road Ambikapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2676161.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC HDFC0009495

MICR & cheque-truncation details

Cheques drawn on the Kharsiya Road Ambikapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0009495 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0009495

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KHARSIYA ROAD AMBIKAPUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC HDFC0009495 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC HDFC0009495

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – KHARSIYA ROAD AMBIKAPUR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: HDFC0009495.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Kharsiya Road Ambikapur branch

The branch is located at GROUND FLR BESIDE BASANT FILLING STATION KHARSIYA RD AMBIKAPUR SURGUJA AMBIKAPUR CHHATTISGARH 497001, which puts it inside Ambikapur, the broader Surguja district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Kharsiya Road Ambikapur branch” — the verified location pin for IFSC HDFC0009495 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2676161 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC HDFC0009495 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0009495 for HDFC Bank – KHARSIYA ROAD AMBIKAPUR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kharsiya Road Ambikapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0009495, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0009495 is the IFSC code of HDFC Bank, KHARSIYA ROAD AMBIKAPUR branch, in AMBIKAPUR, CHHATTISGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.