IFSC Code of HDFC Bank, Chandannagar Branch, West Bengal

If you are searching for the IFSC code of HDFC Bank, CHANDANNAGAR branch in CHANDANNAGAR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is HDFC0000981. 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 CHANDANNAGAR branch, and detailed step-by-step guides for using the IFSC HDFC0000981 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.

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, HDFC0000981 is the IFSC of HDFC Bank's CHANDANNAGAR branch. The format is fixed: HDFC = bank code, 0 = reserved, 000981 = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chandannagar branch — IFSC HDFC0000981 — extends the bank's services to customers in and around Chandannagar, West Bengal.

Branch details at a glance

Chandannagar branch overview

Located at HDFC BANK LTD NAKSHATRA APARTMENT G T ROAD WARD NO 1 CHANDANNAGAR HOOGHLY WEST BENGAL 712136, the Chandannagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0000981 is required for all interbank electronic transfers routed through this branch.

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 CHANDANNAGAR of HDFC Bank — its own 11-character IFSC. The code HDFC0000981 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 HDFC0000981 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Chandannagar branch is mapped to IFSC HDFC0000981 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 HDFC0000981.

Products and services

Customers walking into the Chandannagar 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 HDFC0000981

How to transfer money using IFSC HDFC0000981

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 HDFC0000981 across all three.

How to use IFSC HDFC0000981 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's CHANDANNAGAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0000981.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as CHANDANNAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHANDANNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's CHANDANNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0000981 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank CHANDANNAGAR (IFSC HDFC0000981)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000981 in your mobile or internet banking app, and the money is credited to the CHANDANNAGAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0000981 for HDFC Bank – CHANDANNAGAR, 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.

For most retail customers crediting the Chandannagar 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 HDFC0000981

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 – CHANDANNAGAR is still mapped to IFSC HDFC0000981. 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 HDFC0000981 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0000981

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the CHANDANNAGAR 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 HDFC0000981 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.

MICR & cheque-truncation details

Cheques drawn on the Chandannagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0000981 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – CHANDANNAGAR:

• The IFSC is exactly HDFC0000981 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 CHANDANNAGAR 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 Chandannagar branch sits at HDFC BANK LTD NAKSHATRA APARTMENT G T ROAD WARD NO 1 CHANDANNAGAR HOOGHLY WEST BENGAL 712136. If you are travelling from outside Chandannagar, search for the branch on a maps application using the bank name and locality, or call 33-61606161 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 HDFC0000981 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0000981 for HDFC Bank – CHANDANNAGAR, 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 Chandannagar 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 HDFC0000981 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0000981 is the IFSC code of HDFC Bank, CHANDANNAGAR branch, in CHANDANNAGAR, WEST BENGAL. 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.