Use this page as a one-stop reference for everything related to HDFC Bank's DHAIYAA branch in DHANBAD, JHARKHAND. The branch's IFSC code HDFC0008981 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For HDFC Bank's DHAIYAA branch, the IFSC HDFC0008981 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 008981 identifies this particular branch.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dhaiyaa branch — IFSC HDFC0008981 — extends the bank's services to customers in and around Dhanbad, Jharkhand.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Dhaiyaa |
| IFSC Code | HDFC0008981 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LALITA MARRIAGE HALL NEAR SHAI MANDIR DHAIYA DHANBAD JHARKHAND 826004 |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 1860 |
| Phone | 2676161 |
About this branch
The branch is located at LALITA MARRIAGE HALL NEAR SHAI MANDIR DHAIYA DHANBAD JHARKHAND 826004. It serves the Dhanbad 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 HDFC0008981 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 DHAIYAA branch came to be assigned the code HDFC0008981.
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 HDFC0008981, money simply cannot be routed to the DHAIYAA branch electronically.
Account types you can open at the Dhaiyaa branch
Once you have an account at HDFC Bank – DHAIYAA, the IFSC HDFC0008981 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.
Products and services
Customers walking into the Dhaiyaa 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 HDFC0008981
How to transfer money using IFSC HDFC0008981
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 HDFC0008981 across all three.
NEFT to HDFC Bank, DHAIYAA using IFSC HDFC0008981
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 HDFC0008981, and confirm that the system picks up HDFC Bank – DHAIYAA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0008981
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 – DHAIYAA, ensure your bank's portal accepts IFSC HDFC0008981 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – DHAIYAA, use IMPS. With IFSC HDFC0008981 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0008981 for HDFC Bank – DHAIYAA, 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 – HDFC0008981 | Yes – HDFC0008981 | Yes – HDFC0008981 |
For most retail customers crediting the Dhaiyaa 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 HDFC0008981
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 – DHAIYAA is still mapped to IFSC HDFC0008981. 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 HDFC0008981 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 Dhaiyaa 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 HDFC0008981 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 Dhaiyaa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0008981 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0008981
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – DHAIYAA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
HDFC0008981. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Dhaiyaa branch
The branch is located at LALITA MARRIAGE HALL NEAR SHAI MANDIR DHAIYA DHANBAD JHARKHAND 826004, which puts it inside Dhanbad, the broader Dhanbad district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Dhaiyaa branch” — the verified location pin for IFSC HDFC0008981 should appear at the top of the results.
- Confirm the branch is open by calling 1860-2676161 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 HDFC0008981 and your account number.
Verifying IFSC HDFC0008981 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 HDFC0008981 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1860-2676161.
- Visiting the bank's official branch locator page.
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 Dhaiyaa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0008981, however, work 24x7.
Branch address & contact
HDFC BankDhaiyaa Branch
LALITA MARRIAGE HALL NEAR SHAI MANDIR DHAIYA DHANBAD JHARKHAND 826004
Dhanbad, Jharkhand
Phone: 1860-2676161
IFSC: HDFC0008981
Frequently asked questions
Is IFSC HDFC0008981 the same for all accounts at Dhaiyaa branch?
Yes. The IFSC HDFC0008981 is shared by every account held at HDFC Bank's Dhaiyaa branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Dhaiyaa branch?
You can reach the branch at 1860-2676161 during regular banking hours.
Can I use IFSC HDFC0008981 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0008981 to send funds instantly.
Where is HDFC Bank Dhaiyaa branch located?
HDFC Bank's Dhaiyaa branch is located at LALITA MARRIAGE HALL NEAR SHAI MANDIR DHAIYA DHANBAD JHARKHAND 826004, Dhanbad, Jharkhand.
How do I add HDFC Bank Dhaiyaa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0008981, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Dhaiyaa branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2676161 to confirm.
Is IFSC HDFC0008981 valid for NEFT and RTGS?
Yes. IFSC HDFC0008981 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0008981 belongs to HDFC Bank's DHAIYAA branch, located at LALITA MARRIAGE HALL NEAR SHAI MANDIR DHAIYA DHANBAD JHARKHAND 826004 in DHANBAD, JHARKHAND. 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.
