Below are the complete branch details for HDFC Bank, DERGAON branch, located in DERGAON, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0005290. 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 HDFC0005290 for HDFC Bank – DERGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – DERGAON is HDFC0005290. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005290 map to this branch in DERGAON, ASSAM.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Dergaon |
| IFSC Code | HDFC0005290 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FIRST FLOOR DERGAON NARIKALGURI H G PATH WARD NO 10 GOLAGHAT ASSAM DERGAON ASSAM 785614 |
| City | Dergaon |
| District | Golaghat |
| State | Assam |
| STD Code | 1860 |
| Phone | 2676161 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dergaon branch in Dergaon, Assam is part of this network and uses the IFSC code HDFC0005290 for all electronic settlement.
About the Dergaon branch
The Dergaon branch of HDFC Bank is situated at GROUND FIRST FLOOR DERGAON NARIKALGURI H G PATH WARD NO 10 GOLAGHAT ASSAM DERGAON ASSAM 785614. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0005290 is used.
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 DERGAON branch came to be assigned the code HDFC0005290.
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 HDFC0005290, money simply cannot be routed to the DERGAON branch electronically.
How to transfer money using IFSC HDFC0005290
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 HDFC0005290 across all three.
How to use IFSC HDFC0005290 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's DERGAON 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 HDFC0005290.
- Confirm the bank name auto-populates as HDFC Bank and the branch as DERGAON.
- 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 DERGAON
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's DERGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0005290 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – DERGAON, use IMPS. With IFSC HDFC0005290 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 Dergaon
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 HDFC0005290:
- 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 DERGAON is still linked to IFSC HDFC0005290.
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.
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 DERGAON branch, the IFSC HDFC0005290 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 Dergaon branch is mapped to IFSC HDFC0005290 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 HDFC0005290.
Products and services
Customers walking into the Dergaon 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 HDFC0005290
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 HDFC0005290 and the account number together uniquely identify the Dergaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0005290
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the DERGAON 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 HDFC0005290 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 – DERGAON:
- The IFSC is exactly HDFC0005290 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 DERGAON 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 Dergaon branch sits at GROUND FIRST FLOOR DERGAON NARIKALGURI H G PATH WARD NO 10 GOLAGHAT ASSAM DERGAON ASSAM 785614. If you are travelling from outside Dergaon, 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 HDFC0005290 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0005290 for HDFC Bank – DERGAON, 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 Dergaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0005290, however, work 24x7.
Branch address & contact
HDFC BankDergaon Branch
GROUND FIRST FLOOR DERGAON NARIKALGURI H G PATH WARD NO 10 GOLAGHAT ASSAM DERGAON ASSAM 785614
Dergaon, Assam
Phone: 1860-2676161
IFSC: HDFC0005290
Frequently asked questions
Can I use IFSC HDFC0005290 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0005290 to send funds instantly.
Is IFSC HDFC0005290 the same for all accounts at Dergaon branch?
Yes. The IFSC HDFC0005290 is shared by every account held at HDFC Bank's Dergaon branch. Only the account number changes from customer to customer.
What is the IFSC code of HDFC Bank Dergaon branch?
The IFSC code of HDFC Bank, Dergaon branch is HDFC0005290. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does HDFC Bank Dergaon branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2676161 to confirm.
How do I add HDFC Bank Dergaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0005290, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank Dergaon branch located?
HDFC Bank's Dergaon branch is located at GROUND FIRST FLOOR DERGAON NARIKALGURI H G PATH WARD NO 10 GOLAGHAT ASSAM DERGAON ASSAM 785614, Dergaon, Assam.
Is IFSC HDFC0005290 valid for NEFT and RTGS?
Yes. IFSC HDFC0005290 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0005290 belongs to HDFC Bank's DERGAON branch, located at GROUND FIRST FLOOR DERGAON NARIKALGURI H G PATH WARD NO 10 GOLAGHAT ASSAM… in DERGAON, ASSAM. 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.
