If you are searching for the IFSC code of HDFC Bank, AGARA JUNCTION BRANCH branch in BANGALORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is HDFC0004220. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AGARA JUNCTION BRANCH branch, and detailed step-by-step guides for using the IFSC HDFC0004220 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 AGARA JUNCTION BRANCH branch, the IFSC HDFC0004220 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 004220 identifies this particular branch.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Agara Junction Branch |
| IFSC Code | HDFC0004220 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 144 150 FT RING ROAD 22ND MAIN AGARA HSR LAYOUT SECTOR 1 BANGALORE BANGALORE KARNATAKA 560102 |
| City | Bangalore |
| District | Bangalore Urban |
| State | Karnataka |
| STD Code | 91 |
| Phone | 9945863333 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Agara Junction Branch branch in Bangalore. 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, HDFC0004220.
About this branch
The branch is located at 144 150 FT RING ROAD 22ND MAIN AGARA HSR LAYOUT SECTOR 1 BANGALORE BANGALORE KARNATAKA 560102. It serves the Bangalore region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of HDFC Bank. The IFSC HDFC0004220 is used to identify this branch on the RBI payments network.
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 AGARA JUNCTION BRANCH branch came to be assigned the code HDFC0004220.
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 HDFC0004220, money simply cannot be routed to the AGARA JUNCTION BRANCH branch electronically.
How to transfer money using IFSC HDFC0004220
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 HDFC0004220 across all three.
How to use IFSC HDFC0004220 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's AGARA JUNCTION BRANCH 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 HDFC0004220.
- Confirm the bank name auto-populates as HDFC Bank and the branch as AGARA JUNCTION BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0004220
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to HDFC Bank – AGARA JUNCTION BRANCH, ensure your bank's portal accepts IFSC HDFC0004220 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – AGARA JUNCTION BRANCH, use IMPS. With IFSC HDFC0004220 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 Agara Junction Branch
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 HDFC0004220:
- 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 AGARA JUNCTION BRANCH is still linked to IFSC HDFC0004220.
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.
UPI payments and IFSC HDFC0004220
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at HDFC Bank – AGARA JUNCTION BRANCH is still mapped to IFSC HDFC0004220. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC HDFC0004220 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Agara Junction Branch branch is mapped to IFSC HDFC0004220 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 HDFC0004220.
Banking services available
The Agara Junction Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9945863333.
- 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 HDFC0004220
MICR & cheque-truncation details
Cheques drawn on the Agara Junction Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004220 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Agara Junction Branch 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 HDFC0004220 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.
Common mistakes to avoid when using IFSC HDFC0004220
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 – AGARA JUNCTION BRANCH, 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:
HDFC0004220. - 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 Agara Junction Branch branch
The branch is located at 144 150 FT RING ROAD 22ND MAIN AGARA HSR LAYOUT SECTOR 1 BANGALORE BANGALORE KARNATAKA 560102, which puts it inside Bangalore, the broader Bangalore Urban district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Agara Junction Branch branch” — the verified location pin for IFSC HDFC0004220 should appear at the top of the results.
- Confirm the branch is open by calling 91-9945863333 before stepping out, especially around public holidays.
- 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 HDFC0004220 and your account number.
Verifying IFSC HDFC0004220 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 HDFC0004220 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9945863333.
- Visiting the bank's official branch locator page.
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 Agara Junction Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0004220, however, work 24x7.
Branch address & contact
HDFC BankAgara Junction Branch Branch
144 150 FT RING ROAD 22ND MAIN AGARA HSR LAYOUT SECTOR 1 BANGALORE BANGALORE KARNATAKA 560102
Bangalore, Karnataka
Phone: 91-9945863333
IFSC: HDFC0004220
Frequently asked questions
How do I add HDFC Bank Agara Junction Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004220, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Agara Junction Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9945863333 to confirm.
Is IFSC HDFC0004220 the same for all accounts at Agara Junction Branch branch?
Yes. The IFSC HDFC0004220 is shared by every account held at HDFC Bank's Agara Junction Branch branch. Only the account number changes from customer to customer.
Is IFSC HDFC0004220 valid for NEFT and RTGS?
Yes. IFSC HDFC0004220 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Agara Junction Branch branch but serve different purposes.
Where is HDFC Bank Agara Junction Branch branch located?
HDFC Bank's Agara Junction Branch branch is located at 144 150 FT RING ROAD 22ND MAIN AGARA HSR LAYOUT SECTOR 1 BANGALORE BANGALORE KARNATAKA 560102, Bangalore, Karnataka.
Final notes
To recap: HDFC0004220 is the IFSC code of HDFC Bank, AGARA JUNCTION BRANCH branch, in BANGALORE, KARNATAKA. 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.
