Use this page as a one-stop reference for everything related to HDFC Bank's SONARI branch in CHARAIDEO, ASSAM. The branch's IFSC code HDFC0005973 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.
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, HDFC0005973 is the IFSC of HDFC Bank's SONARI branch. The format is fixed: HDFC = bank code, 0 = reserved, 005973 = branch identifier.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sonari branch in Charaideo, Assam is part of this network and uses the IFSC code HDFC0005973 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Sonari |
| IFSC Code | HDFC0005973 |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO 1 BHOJO TINALI DHODOR ALI SONARI TOWN DIST CHARAIDEO CHARAIDEO ASSAM 785690 |
| City | Charaideo |
| District | Sibsagar |
| State | Assam |
| STD Code | 1860 |
| Phone | 2676161 |
About this branch
The branch is located at WARD NO 1 BHOJO TINALI DHODOR ALI SONARI TOWN DIST CHARAIDEO CHARAIDEO ASSAM 785690. It serves the Charaideo 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 HDFC0005973 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 SONARI branch came to be assigned the code HDFC0005973.
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 HDFC0005973, money simply cannot be routed to the SONARI branch electronically.
Products and account variants supported
Every account opened at the Sonari branch is mapped to IFSC HDFC0005973 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 HDFC0005973.
Products and services
Customers walking into the Sonari 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 HDFC0005973
How to transfer money using IFSC HDFC0005973
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 HDFC0005973 across all three.
NEFT to HDFC Bank, SONARI using IFSC HDFC0005973
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 HDFC0005973, and confirm that the system picks up HDFC Bank – SONARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0005973
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 – SONARI, ensure your bank's portal accepts IFSC HDFC0005973 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – SONARI, use IMPS. With IFSC HDFC0005973 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Sonari
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 HDFC0005973:
- 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 SONARI is still linked to IFSC HDFC0005973.
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.
UPI payments and IFSC HDFC0005973
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 – SONARI is still mapped to IFSC HDFC0005973. 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 HDFC0005973 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Sonari 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 HDFC0005973 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 Sonari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0005973 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 – SONARI:
- The IFSC is exactly HDFC0005973 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 SONARI 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 Sonari branch sits at WARD NO 1 BHOJO TINALI DHODOR ALI SONARI TOWN DIST CHARAIDEO CHARAIDEO ASSAM 785690. If you are travelling from outside Charaideo, search for the branch on a maps application using the bank name and locality, or call 1860-2676161 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 HDFC0005973 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0005973 for HDFC Bank – SONARI, 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 Sonari 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 HDFC0005973 continue to work without interruption.
Branch address & contact
HDFC BankSonari Branch
WARD NO 1 BHOJO TINALI DHODOR ALI SONARI TOWN DIST CHARAIDEO CHARAIDEO ASSAM 785690
Charaideo, Assam
Phone: 1860-2676161
IFSC: HDFC0005973
Frequently asked questions
What is the IFSC code of HDFC Bank Sonari branch?
The IFSC code of HDFC Bank, Sonari branch is HDFC0005973. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC HDFC0005973 valid for NEFT and RTGS?
Yes. IFSC HDFC0005973 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using HDFC0005973 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Sonari reflect within 30 minutes.
Can I use IFSC HDFC0005973 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0005973 to send funds instantly.
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 Sonari branch but serve different purposes.
How do I add HDFC Bank Sonari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0005973, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0005973 the same for all accounts at Sonari branch?
Yes. The IFSC HDFC0005973 is shared by every account held at HDFC Bank's Sonari branch. Only the account number changes from customer to customer.
Where is HDFC Bank Sonari branch located?
HDFC Bank's Sonari branch is located at WARD NO 1 BHOJO TINALI DHODOR ALI SONARI TOWN DIST CHARAIDEO CHARAIDEO ASSAM 785690, Charaideo, Assam.
Final notes
To recap: HDFC0005973 is the IFSC code of HDFC Bank, SONARI branch, in CHARAIDEO, 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.
