Below are the complete branch details for HDFC Bank, BANIHAL branch, located in BANIHAL, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0009275. 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 HDFC0009275 for HDFC Bank – BANIHAL — 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, HDFC0009275 is the IFSC of HDFC Bank's BANIHAL branch. The format is fixed: HDFC = bank code, 0 = reserved, 009275 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Banihal |
| IFSC Code | HDFC0009275 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD GROUND FLOOR MAIN CHOWK HIMALAYA COMPLEX BANIHAL RAMBAN JAMMU AND KASHMIR 182146 |
| City | Banihal |
| District | Ramban |
| State | Jammu and Kashmir |
| STD Code | 1860 |
| Phone | 2676161 |
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Banihal branch — IFSC HDFC0009275 — extends the bank's services to customers in and around Banihal, Jammu and Kashmir.
About the Banihal branch
The Banihal branch of HDFC Bank is situated at HDFC BANK LTD GROUND FLOOR MAIN CHOWK HIMALAYA COMPLEX BANIHAL RAMBAN JAMMU AND KASHMIR 182146. 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 HDFC0009275 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 BANIHAL of HDFC Bank — its own 11-character IFSC. The code HDFC0009275 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 HDFC0009275 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 HDFC0009275
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 HDFC0009275 across all three.
NEFT to HDFC Bank, BANIHAL using IFSC HDFC0009275
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 HDFC0009275, and confirm that the system picks up HDFC Bank – BANIHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0009275
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 – BANIHAL, ensure your bank's portal accepts IFSC HDFC0009275 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank BANIHAL (IFSC HDFC0009275)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009275 in your mobile or internet banking app, and the money is credited to the BANIHAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Banihal
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 HDFC0009275:
- 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 BANIHAL is still linked to IFSC HDFC0009275.
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 HDFC0009275
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 – BANIHAL is still mapped to IFSC HDFC0009275. 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 HDFC0009275 and the beneficiary's account number to complete the transfer.
Account types you can open at the Banihal branch
Once you have an account at HDFC Bank – BANIHAL, the IFSC HDFC0009275 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 Banihal 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 HDFC0009275
MICR & cheque-truncation details
Cheques drawn on the Banihal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0009275 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC HDFC0009275
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the BANIHAL 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 HDFC0009275 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to HDFC Bank – BANIHAL:
- The IFSC is exactly HDFC0009275 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills HDFC Bank as the bank name and BANIHAL as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Banihal branch sits at HDFC BANK LTD GROUND FLOOR MAIN CHOWK HIMALAYA COMPLEX BANIHAL RAMBAN JAMMU AND KASHMIR 182146. If you are travelling from outside Banihal, search for the branch on a maps application using the bank name and locality, or call 1860-2676161 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 HDFC0009275 and your account number.
Verifying IFSC HDFC0009275 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 HDFC0009275 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1860-2676161.
- 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 Banihal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0009275, however, work 24x7.
Branch address & contact
HDFC BankBanihal Branch
HDFC BANK LTD GROUND FLOOR MAIN CHOWK HIMALAYA COMPLEX BANIHAL RAMBAN JAMMU AND KASHMIR 182146
Banihal, Jammu and Kashmir
Phone: 1860-2676161
IFSC: HDFC0009275
Frequently asked questions
What is the IFSC code of HDFC Bank Banihal branch?
The IFSC code of HDFC Bank, Banihal branch is HDFC0009275. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does HDFC Bank Banihal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2676161 to confirm.
Can I use IFSC HDFC0009275 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0009275 to send funds instantly.
How do I add HDFC Bank Banihal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0009275, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0009275 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Banihal reflect within 30 minutes.
Is IFSC HDFC0009275 the same for all accounts at Banihal branch?
Yes. The IFSC HDFC0009275 is shared by every account held at HDFC Bank's Banihal branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0009275 is the IFSC code of HDFC Bank, BANIHAL branch, in BANIHAL, JAMMU AND KASHMIR. 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.
