Below are the complete branch details for HDFC Bank, CHIKHALI branch, located in CHIKHALI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0003946. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0003946 for HDFC Bank – CHIKHALI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, HDFC0003946 is the IFSC of HDFC Bank's CHIKHALI branch. The format is fixed: HDFC = bank code, 0 = reserved, 003946 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Chikhali |
| IFSC Code | HDFC0003946 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD POOJA HEIGHTS PLOT NO122 5 CHIKHALI PURNANAGAR CHINCHWAD PUNE MAHARASHTRA 411019 |
| City | Chikhali |
| District | Pune |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 61606161 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Chikhali branch in Chikhali. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HDFC0003946.
Chikhali branch overview
Located at HDFC BANK LTD POOJA HEIGHTS PLOT NO122 5 CHIKHALI PURNANAGAR CHINCHWAD PUNE MAHARASHTRA 411019, the Chikhali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0003946 is required for all interbank electronic transfers routed through this branch.
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 CHIKHALI branch came to be assigned the code HDFC0003946.
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 HDFC0003946, money simply cannot be routed to the CHIKHALI branch electronically.
How to transfer money using IFSC HDFC0003946
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 HDFC0003946 across all three.
NEFT to HDFC Bank, CHIKHALI using IFSC HDFC0003946
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 HDFC0003946, and confirm that the system picks up HDFC Bank – CHIKHALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0003946
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 – CHIKHALI, ensure your bank's portal accepts IFSC HDFC0003946 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank CHIKHALI (IFSC HDFC0003946)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003946 in your mobile or internet banking app, and the money is credited to the CHIKHALI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0003946 for HDFC Bank – CHIKHALI, 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 – HDFC0003946 | Yes – HDFC0003946 | Yes – HDFC0003946 |
For most retail customers crediting the Chikhali 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 CHIKHALI branch, the IFSC HDFC0003946 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.
Account types you can open at the Chikhali branch
Once you have an account at HDFC Bank – CHIKHALI, the IFSC HDFC0003946 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 Chikhali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-61606161.
- 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 HDFC0003946
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 HDFC0003946 and the account number together uniquely identify the Chikhali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0003946
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the CHIKHALI 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 HDFC0003946 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.
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 – CHIKHALI:
- The IFSC is exactly HDFC0003946 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 CHIKHALI 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 Chikhali branch sits at HDFC BANK LTD POOJA HEIGHTS PLOT NO122 5 CHIKHALI PURNANAGAR CHINCHWAD PUNE MAHARASHTRA 411019. If you are travelling from outside Chikhali, search for the branch on a maps application using the bank name and locality, or call 22-61606161 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 HDFC0003946 and your account number.
Verifying IFSC HDFC0003946 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 HDFC0003946 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-61606161.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chikhali 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 HDFC0003946 continue to work without interruption.
Branch address & contact
HDFC BankChikhali Branch
HDFC BANK LTD POOJA HEIGHTS PLOT NO122 5 CHIKHALI PURNANAGAR CHINCHWAD PUNE MAHARASHTRA 411019
Chikhali, Maharashtra
Phone: 22-61606161
IFSC: HDFC0003946
Frequently asked questions
How quickly will an NEFT transfer using HDFC0003946 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Chikhali reflect within 30 minutes.
What is the phone number of HDFC Bank Chikhali branch?
You can reach the branch at 22-61606161 during regular banking hours.
Is IFSC HDFC0003946 valid for NEFT and RTGS?
Yes. IFSC HDFC0003946 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC HDFC0003946 the same for all accounts at Chikhali branch?
Yes. The IFSC HDFC0003946 is shared by every account held at HDFC Bank's Chikhali branch. Only the account number changes from customer to customer.
Can I use IFSC HDFC0003946 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003946 to send funds instantly.
Where is HDFC Bank Chikhali branch located?
HDFC Bank's Chikhali branch is located at HDFC BANK LTD POOJA HEIGHTS PLOT NO122 5 CHIKHALI PURNANAGAR CHINCHWAD PUNE MAHARASHTRA 411019, Chikhali, Maharashtra.
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 Chikhali branch but serve different purposes.
Does HDFC Bank Chikhali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-61606161 to confirm.
Summary
The IFSC code HDFC0003946 belongs to HDFC Bank's CHIKHALI branch, located at HDFC BANK LTD POOJA HEIGHTS PLOT NO122 5 CHIKHALI PURNANAGAR CHINCHWAD PUNE… in CHIKHALI, MAHARASHTRA. 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.
