If you are searching for the IFSC code of HDFC Bank, SOWCARPET branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is HDFC0002077. 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 SOWCARPET branch, and detailed step-by-step guides for using the IFSC HDFC0002077 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, HDFC0002077 is the IFSC of HDFC Bank's SOWCARPET branch. The format is fixed: HDFC = bank code, 0 = reserved, 002077 = 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 Sowcarpet branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code HDFC0002077 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Sowcarpet |
| IFSC Code | HDFC0002077 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.68 GROUND FLOOR, MINT STREET SOWCARPET PIN 600079 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 91 |
| Phone | 9840673333 |
About this branch
The branch is located at NO.68 GROUND FLOOR, MINT STREET SOWCARPET PIN 600079. It serves the Chennai 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 HDFC0002077 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 SOWCARPET of HDFC Bank — its own 11-character IFSC. The code HDFC0002077 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 HDFC0002077 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 Sowcarpet branch is mapped to IFSC HDFC0002077 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 HDFC0002077.
Banking services available
The Sowcarpet branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9840673333.
- 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 HDFC0002077
How to transfer money using IFSC HDFC0002077
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 HDFC0002077 across all three.
NEFT to HDFC Bank, SOWCARPET using IFSC HDFC0002077
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 HDFC0002077, and confirm that the system picks up HDFC Bank – SOWCARPET. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0002077
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 – SOWCARPET, ensure your bank's portal accepts IFSC HDFC0002077 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank SOWCARPET (IFSC HDFC0002077)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0002077 in your mobile or internet banking app, and the money is credited to the SOWCARPET branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0002077 for HDFC Bank – SOWCARPET, 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 – HDFC0002077 | Yes – HDFC0002077 | Yes – HDFC0002077 |
For most retail customers crediting the Sowcarpet 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 SOWCARPET branch, the IFSC HDFC0002077 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.
Online banking and IFSC HDFC0002077
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SOWCARPET 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 HDFC0002077 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 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 HDFC0002077 and the account number together uniquely identify the Sowcarpet 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 – SOWCARPET:
- The IFSC is exactly HDFC0002077 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 SOWCARPET 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 Sowcarpet branch
The branch is located at NO.68 GROUND FLOOR, MINT STREET SOWCARPET PIN 600079, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Sowcarpet branch” — the verified location pin for IFSC HDFC0002077 should appear at the top of the results.
- Confirm the branch is open by calling 91-9840673333 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 HDFC0002077 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0002077 for HDFC Bank – SOWCARPET, 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.
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 Sowcarpet branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002077, however, work 24x7.
Branch address & contact
HDFC BankSowcarpet Branch
NO.68 GROUND FLOOR, MINT STREET SOWCARPET PIN 600079
Chennai, Tamil Nadu
Phone: 91-9840673333
IFSC: HDFC0002077
Frequently asked questions
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 Sowcarpet branch but serve different purposes.
What is the IFSC code of HDFC Bank Sowcarpet branch?
The IFSC code of HDFC Bank, Sowcarpet branch is HDFC0002077. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is HDFC Bank Sowcarpet branch located?
HDFC Bank's Sowcarpet branch is located at NO.68 GROUND FLOOR, MINT STREET SOWCARPET PIN 600079, Chennai, Tamil Nadu.
Is IFSC HDFC0002077 the same for all accounts at Sowcarpet branch?
Yes. The IFSC HDFC0002077 is shared by every account held at HDFC Bank's Sowcarpet branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Sowcarpet as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002077, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of HDFC Bank Sowcarpet branch?
You can reach the branch at 91-9840673333 during regular banking hours.
How quickly will an NEFT transfer using HDFC0002077 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Sowcarpet reflect within 30 minutes.
Is IFSC HDFC0002077 valid for NEFT and RTGS?
Yes. IFSC HDFC0002077 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0002077 belongs to HDFC Bank's SOWCARPET branch, located at NO.68 GROUND FLOOR, MINT STREET SOWCARPET PIN 600079 in CHENNAI, TAMIL NADU. 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.
