Below are the complete branch details for HDFC Bank, PANDARA CHOWK branch, located in BHAINCHUA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0008040. 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 HDFC0008040 for HDFC Bank – PANDARA CHOWK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – PANDARA CHOWK is HDFC0008040. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008040 map to this branch in BHAINCHUA, ODISHA.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Pandara Chowk |
| IFSC Code | HDFC0008040 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR PLOT NO 3951 8993 PURI BY PASS ROAD PANADARA CHHAK BHUBANESWAR BHAINCHUA ODISHA 751010 |
| City | Bhainchua |
| District | Khordha |
| State | Odisha |
| STD Code | 1800 |
| Phone | 2026161 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pandara Chowk branch in Bhainchua, Odisha is part of this network and uses the IFSC code HDFC0008040 for all electronic settlement.
About this branch
The branch is located at GRD FLOOR PLOT NO 3951 8993 PURI BY PASS ROAD PANADARA CHHAK BHUBANESWAR BHAINCHUA ODISHA 751010. It serves the Bhainchua 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 HDFC0008040 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 PANDARA CHOWK branch came to be assigned the code HDFC0008040.
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 HDFC0008040, money simply cannot be routed to the PANDARA CHOWK branch electronically.
How to transfer money using IFSC HDFC0008040
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 HDFC0008040 across all three.
NEFT to HDFC Bank, PANDARA CHOWK using IFSC HDFC0008040
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 HDFC0008040, and confirm that the system picks up HDFC Bank – PANDARA CHOWK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0008040
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 – PANDARA CHOWK, ensure your bank's portal accepts IFSC HDFC0008040 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank PANDARA CHOWK (IFSC HDFC0008040)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0008040 in your mobile or internet banking app, and the money is credited to the PANDARA CHOWK branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0008040 for HDFC Bank – PANDARA CHOWK, 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 – HDFC0008040 | Yes – HDFC0008040 | Yes – HDFC0008040 |
For most retail customers crediting the Pandara Chowk 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.
UPI payments and IFSC HDFC0008040
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 – PANDARA CHOWK is still mapped to IFSC HDFC0008040. 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 HDFC0008040 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pandara Chowk branch
Once you have an account at HDFC Bank – PANDARA CHOWK, the IFSC HDFC0008040 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.
Banking services available
The Pandara Chowk branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2026161.
- 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 HDFC0008040
MICR & cheque-truncation details
Cheques drawn on the Pandara Chowk branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0008040 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC HDFC0008040
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the PANDARA CHOWK 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 HDFC0008040 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 HDFC0008040
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 – PANDARA CHOWK, 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:
HDFC0008040. - 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 Pandara Chowk branch sits at GRD FLOOR PLOT NO 3951 8993 PURI BY PASS ROAD PANADARA CHHAK BHUBANESWAR BHAINCHUA ODISHA 751010. If you are travelling from outside Bhainchua, 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 HDFC0008040 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0008040 for HDFC Bank – PANDARA CHOWK, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Pandara Chowk 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 HDFC0008040 continue to work without interruption.
Branch address & contact
HDFC BankPandara Chowk Branch
GRD FLOOR PLOT NO 3951 8993 PURI BY PASS ROAD PANADARA CHHAK BHUBANESWAR BHAINCHUA ODISHA 751010
Bhainchua, Odisha
Phone: 1800-2026161
IFSC: HDFC0008040
Frequently asked questions
Is IFSC HDFC0008040 the same for all accounts at Pandara Chowk branch?
Yes. The IFSC HDFC0008040 is shared by every account held at HDFC Bank's Pandara Chowk branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Pandara Chowk as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0008040, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Pandara Chowk branch?
The IFSC code of HDFC Bank, Pandara Chowk branch is HDFC0008040. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of HDFC Bank Pandara Chowk branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Does HDFC Bank Pandara Chowk branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
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 Pandara Chowk branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0008040 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Pandara Chowk reflect within 30 minutes.
Where is HDFC Bank Pandara Chowk branch located?
HDFC Bank's Pandara Chowk branch is located at GRD FLOOR PLOT NO 3951 8993 PURI BY PASS ROAD PANADARA CHHAK BHUBANESWAR BHAINCHUA ODISHA 751010, Bhainchua, Odisha.
Summary
The IFSC code HDFC0008040 belongs to HDFC Bank's PANDARA CHOWK branch, located at GRD FLOOR PLOT NO 3951 8993 PURI BY PASS ROAD PANADARA CHHAK BHUBANESWAR… in BHAINCHUA, ODISHA. 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.
