If you are searching for the IFSC code of HDFC Bank, BIJOYNAGAR branch in BIJOYNAGAR, ASSAM, this page has every detail you need. The verified IFSC code for this branch is HDFC0002897. 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 BIJOYNAGAR branch, and detailed step-by-step guides for using the IFSC HDFC0002897 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.
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 – BIJOYNAGAR is HDFC0002897. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002897 map to this branch in BIJOYNAGAR, ASSAM.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bijoynagar branch in Bijoynagar, Assam is part of this network and uses the IFSC code HDFC0002897 for all electronic settlement.
About this branch
The branch is located at HDFC BANK LTD NH-37, BIJAYNAGAR, BIJOYNAGAR ASSAM 781122. It serves the Bijoynagar 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 HDFC0002897 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Bijoynagar |
| IFSC Code | HDFC0002897 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD NH-37, BIJAYNAGAR, BIJOYNAGAR ASSAM 781122 |
| City | Bijoynagar |
| District | Kamrup |
| State | Assam |
| STD Code | 91 |
| Phone | 9957193333 |
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 BIJOYNAGAR branch came to be assigned the code HDFC0002897.
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 HDFC0002897, money simply cannot be routed to the BIJOYNAGAR branch electronically.
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 HDFC0002897 and the account number together uniquely identify the Bijoynagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0002897
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 HDFC0002897 across all three.
How to use IFSC HDFC0002897 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's BIJOYNAGAR 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 HDFC0002897.
- Confirm the bank name auto-populates as HDFC Bank and the branch as BIJOYNAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0002897
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 – BIJOYNAGAR, ensure your bank's portal accepts IFSC HDFC0002897 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – BIJOYNAGAR, use IMPS. With IFSC HDFC0002897 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 HDFC0002897 for HDFC Bank – BIJOYNAGAR, 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 – HDFC0002897 | Yes – HDFC0002897 | Yes – HDFC0002897 |
For most retail customers crediting the Bijoynagar 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 BIJOYNAGAR branch, the IFSC HDFC0002897 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.
Products and account variants supported
Every account opened at the Bijoynagar branch is mapped to IFSC HDFC0002897 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 HDFC0002897.
Banking services available
The Bijoynagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9957193333.
- 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 HDFC0002897
Digital banking channels
Most day-to-day work that customers used to do at the Bijoynagar 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 HDFC0002897 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.
How to reach the Bijoynagar branch
The branch is located at HDFC BANK LTD NH-37, BIJAYNAGAR, BIJOYNAGAR ASSAM 781122, which puts it inside Bijoynagar, the broader Kamrup district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Bijoynagar branch” — the verified location pin for IFSC HDFC0002897 should appear at the top of the results.
- Confirm the branch is open by calling 91-9957193333 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 HDFC0002897 and your account number.
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 – BIJOYNAGAR:
- The IFSC is exactly HDFC0002897 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 BIJOYNAGAR 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.
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 Bijoynagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002897, however, work 24x7.
Verifying IFSC HDFC0002897 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 HDFC0002897 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9957193333.
- Visiting the bank's official branch locator page.
Branch address & contact
HDFC BankBijoynagar Branch
HDFC BANK LTD NH-37, BIJAYNAGAR, BIJOYNAGAR ASSAM 781122
Bijoynagar, Assam
Phone: 91-9957193333
IFSC: HDFC0002897
Frequently asked questions
Does HDFC Bank Bijoynagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9957193333 to confirm.
How quickly will an NEFT transfer using HDFC0002897 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Bijoynagar reflect within 30 minutes.
Is IFSC HDFC0002897 valid for NEFT and RTGS?
Yes. IFSC HDFC0002897 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add HDFC Bank Bijoynagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002897, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Bijoynagar branch?
The IFSC code of HDFC Bank, Bijoynagar branch is HDFC0002897. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of HDFC Bank Bijoynagar branch?
You can reach the branch at 91-9957193333 during regular banking hours.
Is IFSC HDFC0002897 the same for all accounts at Bijoynagar branch?
Yes. The IFSC HDFC0002897 is shared by every account held at HDFC Bank's Bijoynagar branch. Only the account number changes from customer to customer.
Where is HDFC Bank Bijoynagar branch located?
HDFC Bank's Bijoynagar branch is located at HDFC BANK LTD NH-37, BIJAYNAGAR, BIJOYNAGAR ASSAM 781122, Bijoynagar, Assam.
Final notes
To recap: HDFC0002897 is the IFSC code of HDFC Bank, BIJOYNAGAR branch, in BIJOYNAGAR, ASSAM. 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.
