Below are the complete branch details for HDFC Bank, RAMGARH branch, located in BAINA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0008605. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0008605 for HDFC Bank – RAMGARH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, HDFC0008605 is the IFSC of HDFC Bank's RAMGARH branch. The format is fixed: HDFC = bank code, 0 = reserved, 008605 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Ramgarh |
| IFSC Code | HDFC0008605 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GRD FLOOR MAIN MARKET RAMGARH DIST SONBHADRA BAINA UTTAR PRADESH 231213 |
| City | Baina |
| District | Sonbhadra |
| State | Uttar Pradesh |
| STD Code | 1800 |
| Phone | 2026161 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Ramgarh branch in Baina. 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, HDFC0008605.
About the Ramgarh branch
The Ramgarh branch of HDFC Bank is situated at UPPER GRD FLOOR MAIN MARKET RAMGARH DIST SONBHADRA BAINA UTTAR PRADESH 231213. 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 HDFC0008605 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 RAMGARH of HDFC Bank — its own 11-character IFSC. The code HDFC0008605 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 HDFC0008605 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 HDFC0008605
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 HDFC0008605 across all three.
NEFT to HDFC Bank, RAMGARH using IFSC HDFC0008605
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC HDFC0008605, and confirm that the system picks up HDFC Bank – RAMGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAMGARH
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's RAMGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0008605 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 – RAMGARH, use IMPS. With IFSC HDFC0008605 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ramgarh
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 HDFC0008605:
- 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 RAMGARH is still linked to IFSC HDFC0008605.
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 RAMGARH branch, the IFSC HDFC0008605 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 Ramgarh branch is mapped to IFSC HDFC0008605 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 HDFC0008605.
Products and services
Customers walking into the Ramgarh 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 HDFC0008605
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 HDFC0008605 and the account number together uniquely identify the Ramgarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0008605
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the RAMGARH 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 HDFC0008605 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 HDFC0008605
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 – RAMGARH, 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:
HDFC0008605. - 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 Ramgarh branch sits at UPPER GRD FLOOR MAIN MARKET RAMGARH DIST SONBHADRA BAINA UTTAR PRADESH 231213. If you are travelling from outside Baina, search for the branch on a maps application using the bank name and locality, or call 1800-2026161 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 HDFC0008605 and your account number.
Verifying IFSC HDFC0008605 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 HDFC0008605 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ramgarh 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 HDFC0008605 continue to work without interruption.
Branch address & contact
HDFC BankRamgarh Branch
UPPER GRD FLOOR MAIN MARKET RAMGARH DIST SONBHADRA BAINA UTTAR PRADESH 231213
Baina, Uttar Pradesh
Phone: 1800-2026161
IFSC: HDFC0008605
Frequently asked questions
How quickly will an NEFT transfer using HDFC0008605 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Ramgarh reflect within 30 minutes.
Where is HDFC Bank Ramgarh branch located?
HDFC Bank's Ramgarh branch is located at UPPER GRD FLOOR MAIN MARKET RAMGARH DIST SONBHADRA BAINA UTTAR PRADESH 231213, Baina, Uttar Pradesh.
Is IFSC HDFC0008605 valid for NEFT and RTGS?
Yes. IFSC HDFC0008605 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add HDFC Bank Ramgarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0008605, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Ramgarh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
Can I use IFSC HDFC0008605 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0008605 to send funds instantly.
Is IFSC HDFC0008605 the same for all accounts at Ramgarh branch?
Yes. The IFSC HDFC0008605 is shared by every account held at HDFC Bank's Ramgarh branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Ramgarh branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Summary
The IFSC code HDFC0008605 belongs to HDFC Bank's RAMGARH branch, located at UPPER GRD FLOOR MAIN MARKET RAMGARH DIST SONBHADRA BAINA UTTAR PRADESH 231213 in BAINA, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
