IFSC Code of HDFC Bank, Joraphatak Branch, Jharkhand

Use this page as a one-stop reference for everything related to HDFC Bank's JORAPHATAK branch in DHANBAD, JHARKHAND. The branch's IFSC code HDFC0004679 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.

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 – JORAPHATAK is HDFC0004679. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004679 map to this branch in DHANBAD, JHARKHAND.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Joraphatak branch in Dhanbad, Jharkhand is part of this network and uses the IFSC code HDFC0004679 for all electronic settlement.

Joraphatak branch overview

Located at HDFC BANK LTD UPPER GROUND FLOOR JORA FATAKMAIN ROAD OPP PUNJAB SWEETS DHANBAD JHARKHAND826001, the Joraphatak branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0004679 is required for all interbank electronic transfers routed through this branch.

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 JORAPHATAK of HDFC Bank — its own 11-character IFSC. The code HDFC0004679 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 HDFC0004679 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC HDFC0004679

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 HDFC0004679 across all three.

NEFT to HDFC Bank, JORAPHATAK using IFSC HDFC0004679

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 HDFC0004679, and confirm that the system picks up HDFC Bank – JORAPHATAK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JORAPHATAK

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's JORAPHATAK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0004679 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank JORAPHATAK (IFSC HDFC0004679)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004679 in your mobile or internet banking app, and the money is credited to the JORAPHATAK branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0004679 for HDFC Bank – JORAPHATAK, 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.

For most retail customers crediting the Joraphatak 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 HDFC0004679

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 – JORAPHATAK is still mapped to IFSC HDFC0004679. 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 HDFC0004679 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Joraphatak branch is mapped to IFSC HDFC0004679 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 HDFC0004679.

Products and services

Customers walking into the Joraphatak 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 HDFC0004679

MICR & cheque-truncation details

Cheques drawn on the Joraphatak branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004679 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0004679

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the JORAPHATAK 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 HDFC0004679 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 – JORAPHATAK:

• The IFSC is exactly HDFC0004679 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 JORAPHATAK 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 Joraphatak branch

The branch is located at HDFC BANK LTD UPPER GROUND FLOOR JORA FATAKMAIN ROAD OPP PUNJAB SWEETS DHANBAD JHARKHAND826001, which puts it inside Dhanbad, the broader Dhanbad district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Joraphatak branch” — the verified location pin for IFSC HDFC0004679 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2666161 before stepping out, especially around public holidays.
3. 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 HDFC0004679 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0004679 for HDFC Bank – JORAPHATAK, 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 Joraphatak 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 HDFC0004679 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0004679 belongs to HDFC Bank's JORAPHATAK branch, located at HDFC BANK LTD UPPER GROUND FLOOR JORA FATAKMAIN ROAD OPP PUNJAB SWEETS DHANBAD… 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.