Use this page as a one-stop reference for everything related to HDFC Bank's RIKABGANJ branch in AYODHYA, UTTAR PRADESH. The branch's IFSC code HDFC0007439 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For HDFC Bank's RIKABGANJ branch, the IFSC HDFC0007439 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 007439 identifies this particular branch.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Rikabganj branch in Ayodhya. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HDFC0007439.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Rikabganj |
| IFSC Code | HDFC0007439 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR 4106 4110 CIVIL LINES OPP BSNL OFFICE UTTAR PRADESH 224001 |
| City | Ayodhya |
| District | Allahabad |
| State | Uttar Pradesh |
| Phone | 18001600 |
Rikabganj branch overview
Located at FIRST FLOOR 4106 4110 CIVIL LINES OPP BSNL OFFICE UTTAR PRADESH 224001, the Rikabganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0007439 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how HDFC Bank's RIKABGANJ branch came to be assigned the code HDFC0007439.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC HDFC0007439, money simply cannot be routed to the RIKABGANJ branch electronically.
Account types you can open at the Rikabganj branch
Once you have an account at HDFC Bank – RIKABGANJ, the IFSC HDFC0007439 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Rikabganj branch can access most of HDFC Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC HDFC0007439
How to transfer money using IFSC HDFC0007439
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 HDFC0007439 across all three.
How to use IFSC HDFC0007439 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's RIKABGANJ 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0007439.
- Confirm the bank name auto-populates as HDFC Bank and the branch as RIKABGANJ.
- 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 RIKABGANJ
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's RIKABGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007439 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – RIKABGANJ, use IMPS. With IFSC HDFC0007439 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0007439 for HDFC Bank – RIKABGANJ, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – HDFC0007439 | Yes – HDFC0007439 | Yes – HDFC0007439 |
For most retail customers crediting the Rikabganj branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 RIKABGANJ branch, the IFSC HDFC0007439 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.
Digital banking channels
Most day-to-day work that customers used to do at the Rikabganj branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC HDFC0007439 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by HDFC Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HDFC0007439 and the account number together uniquely identify the Rikabganj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC HDFC0007439
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 – RIKABGANJ, 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:
HDFC0007439. - 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.
Reaching the branch
The Rikabganj branch sits at FIRST FLOOR 4106 4110 CIVIL LINES OPP BSNL OFFICE UTTAR PRADESH 224001. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call 18001600 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC HDFC0007439 and your account number.
Verifying IFSC HDFC0007439 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm HDFC0007439 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 18001600.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rikabganj are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to HDFC0007439 continue to work without interruption.
Branch address & contact
HDFC BankRikabganj Branch
FIRST FLOOR 4106 4110 CIVIL LINES OPP BSNL OFFICE UTTAR PRADESH 224001
Ayodhya, Uttar Pradesh
Phone: 18001600
IFSC: HDFC0007439
Frequently asked questions
How do I add HDFC Bank Rikabganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007439, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HDFC0007439 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0007439 to send funds instantly.
What is the phone number of HDFC Bank Rikabganj branch?
You can reach the branch at 18001600 during regular banking hours.
Where is HDFC Bank Rikabganj branch located?
HDFC Bank's Rikabganj branch is located at FIRST FLOOR 4106 4110 CIVIL LINES OPP BSNL OFFICE UTTAR PRADESH 224001, Ayodhya, Uttar Pradesh.
Is IFSC HDFC0007439 valid for NEFT and RTGS?
Yes. IFSC HDFC0007439 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does HDFC Bank Rikabganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 18001600 to confirm.
How quickly will an NEFT transfer using HDFC0007439 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Rikabganj reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Rikabganj branch but serve different purposes.
Final notes
To recap: HDFC0007439 is the IFSC code of HDFC Bank, RIKABGANJ branch, in AYODHYA, UTTAR PRADESH. 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.
