Use this page as a one-stop reference for everything related to HDFC Bank's BHADAUR branch in BHADAUR, PUNJAB. The branch's IFSC code HDFC0003245 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.
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 – BHADAUR is HDFC0003245. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003245 map to this branch in BHADAUR, PUNJAB.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Bhadaur branch in Bhadaur. 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, HDFC0003245.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Bhadaur |
| IFSC Code | HDFC0003245 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD PREMISES IN MAIN MARKET, MAIN BAZAAR, DISTT. BARNALA, MAIN BAZAAR, DISTT. BARNALA, BHADAUR PUNJAB 148102 |
| City | Bhadaur |
| District | Sangrur |
| State | Punjab |
| STD Code | 91 |
| Phone | 9815331111 |
About this branch
The branch is located at HDFC BANK LTD PREMISES IN MAIN MARKET, MAIN BAZAAR, DISTT. BARNALA, MAIN BAZAAR, DISTT. BARNALA, BHADAUR PUNJAB 148102. It serves the Bhadaur 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 HDFC0003245 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 BHADAUR branch came to be assigned the code HDFC0003245.
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 HDFC0003245, money simply cannot be routed to the BHADAUR branch electronically.
Products and account variants supported
Every account opened at the Bhadaur branch is mapped to IFSC HDFC0003245 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 HDFC0003245.
Banking services available
The Bhadaur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9815331111.
- 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 HDFC0003245
How to transfer money using IFSC HDFC0003245
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 HDFC0003245 across all three.
NEFT to HDFC Bank, BHADAUR using IFSC HDFC0003245
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 HDFC0003245, and confirm that the system picks up HDFC Bank – BHADAUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0003245
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 – BHADAUR, ensure your bank's portal accepts IFSC HDFC0003245 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank BHADAUR (IFSC HDFC0003245)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003245 in your mobile or internet banking app, and the money is credited to the BHADAUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bhadaur
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 HDFC0003245:
- 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 BHADAUR is still linked to IFSC HDFC0003245.
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 BHADAUR branch, the IFSC HDFC0003245 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 Bhadaur 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 HDFC0003245 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 & cheque-truncation details
Cheques drawn on the Bhadaur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003245 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0003245
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 – BHADAUR, 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:
HDFC0003245. - 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 Bhadaur branch sits at HDFC BANK LTD PREMISES IN MAIN MARKET, MAIN BAZAAR, DISTT. BARNALA, MAIN BAZAAR, DISTT. BARNALA, BHADAUR PUNJAB 148102. If you are travelling from outside Bhadaur, search for the branch on a maps application using the bank name and locality, or call 91-9815331111 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 HDFC0003245 and your account number.
Verifying IFSC HDFC0003245 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 HDFC0003245 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9815331111.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bhadaur 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 HDFC0003245 continue to work without interruption.
Branch address & contact
HDFC BankBhadaur Branch
HDFC BANK LTD PREMISES IN MAIN MARKET, MAIN BAZAAR, DISTT. BARNALA, MAIN BAZAAR, DISTT. BARNALA, BHADAUR PUNJAB 148102
Bhadaur, Punjab
Phone: 91-9815331111
IFSC: HDFC0003245
Frequently asked questions
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 Bhadaur branch but serve different purposes.
What is the phone number of HDFC Bank Bhadaur branch?
You can reach the branch at 91-9815331111 during regular banking hours.
How do I add HDFC Bank Bhadaur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003245, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Bhadaur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9815331111 to confirm.
What is the IFSC code of HDFC Bank Bhadaur branch?
The IFSC code of HDFC Bank, Bhadaur branch is HDFC0003245. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is HDFC Bank Bhadaur branch located?
HDFC Bank's Bhadaur branch is located at HDFC BANK LTD PREMISES IN MAIN MARKET, MAIN BAZAAR, DISTT. BARNALA, MAIN BAZAAR, DISTT. BARNALA, BHADAUR PUNJAB 148102, Bhadaur, Punjab.
Summary
The IFSC code HDFC0003245 belongs to HDFC Bank's BHADAUR branch, located at HDFC BANK LTD PREMISES IN MAIN MARKET, MAIN BAZAAR, DISTT. BARNALA, MAIN… in BHADAUR, PUNJAB. 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.
