Use this page as a one-stop reference for everything related to HDFC Bank's CHITRA GIDC branch in BHAVNAGAR, GUJARAT. The branch's IFSC code HDFC0011109 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 – CHITRA GIDC is HDFC0011109. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 011109 map to this branch in BHAVNAGAR, GUJARAT.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chitra Gidc branch — IFSC HDFC0011109 — extends the bank's services to customers in and around Bhavnagar, Gujarat.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Chitra Gidc |
| IFSC Code | HDFC0011109 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 1 GRD FLOOR SANIDHYA HEIGHTS PLOT NO 1 2 A SHANTINAGAR OPP GAYATRI MANDIR BHAVNAGAR GUJARAT 364001 |
| City | Bhavnagar |
| District | Bhavnagar |
| State | Gujarat |
| STD Code | 1800 |
| Phone | 2026161 |
About this branch
The branch is located at SHOP NO 1 GRD FLOOR SANIDHYA HEIGHTS PLOT NO 1 2 A SHANTINAGAR OPP GAYATRI MANDIR BHAVNAGAR GUJARAT 364001. It serves the Bhavnagar 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 HDFC0011109 is used to identify this branch on the RBI payments network.
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 CHITRA GIDC of HDFC Bank — its own 11-character IFSC. The code HDFC0011109 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 HDFC0011109 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Chitra Gidc branch
Once you have an account at HDFC Bank – CHITRA GIDC, the IFSC HDFC0011109 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 Chitra Gidc 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 HDFC0011109
How to transfer money using IFSC HDFC0011109
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 HDFC0011109 across all three.
NEFT to HDFC Bank, CHITRA GIDC using IFSC HDFC0011109
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 HDFC0011109, and confirm that the system picks up HDFC Bank – CHITRA GIDC. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHITRA GIDC
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's CHITRA GIDC branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0011109 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 – CHITRA GIDC, use IMPS. With IFSC HDFC0011109 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0011109 for HDFC Bank – CHITRA GIDC, 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 – HDFC0011109 | Yes – HDFC0011109 | Yes – HDFC0011109 |
For most retail customers crediting the Chitra Gidc 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.
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 CHITRA GIDC branch, the IFSC HDFC0011109 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 Chitra Gidc 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 HDFC0011109 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 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 HDFC0011109 and the account number together uniquely identify the Chitra Gidc branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – CHITRA GIDC:
- The IFSC is exactly HDFC0011109 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 CHITRA GIDC 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.
How to reach the Chitra Gidc branch
The branch is located at SHOP NO 1 GRD FLOOR SANIDHYA HEIGHTS PLOT NO 1 2 A SHANTINAGAR OPP GAYATRI MANDIR BHAVNAGAR GUJARAT 364001, which puts it inside Bhavnagar, the broader Bhavnagar district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Chitra Gidc branch” — the verified location pin for IFSC HDFC0011109 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 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 HDFC0011109 and your account number.
Verifying IFSC HDFC0011109 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 HDFC0011109 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 Chitra Gidc 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 HDFC0011109 continue to work without interruption.
Branch address & contact
HDFC BankChitra Gidc Branch
SHOP NO 1 GRD FLOOR SANIDHYA HEIGHTS PLOT NO 1 2 A SHANTINAGAR OPP GAYATRI MANDIR BHAVNAGAR GUJARAT 364001
Bhavnagar, Gujarat
Phone: 1800-2026161
IFSC: HDFC0011109
Frequently asked questions
What is the phone number of HDFC Bank Chitra Gidc branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Is IFSC HDFC0011109 valid for NEFT and RTGS?
Yes. IFSC HDFC0011109 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using HDFC0011109 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Chitra Gidc reflect within 30 minutes.
Is IFSC HDFC0011109 the same for all accounts at Chitra Gidc branch?
Yes. The IFSC HDFC0011109 is shared by every account held at HDFC Bank's Chitra Gidc branch. Only the account number changes from customer to customer.
Does HDFC Bank Chitra Gidc branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
Where is HDFC Bank Chitra Gidc branch located?
HDFC Bank's Chitra Gidc branch is located at SHOP NO 1 GRD FLOOR SANIDHYA HEIGHTS PLOT NO 1 2 A SHANTINAGAR OPP GAYATRI MANDIR BHAVNAGAR GUJARAT 364001, Bhavnagar, Gujarat.
Summary
The IFSC code HDFC0011109 belongs to HDFC Bank's CHITRA GIDC branch, located at SHOP NO 1 GRD FLOOR SANIDHYA HEIGHTS PLOT NO 1 2 A SHANTINAGAR OPP GAYATRI… in BHAVNAGAR, GUJARAT. 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.
