Use this page as a one-stop reference for everything related to HDFC Bank's GARHWA branch in GARHWA, JHARKHAND. The branch's IFSC code HDFC0002699 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.
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, HDFC0002699 is the IFSC of HDFC Bank's GARHWA branch. The format is fixed: HDFC = bank code, 0 = reserved, 002699 = 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 Garhwa branch in Garhwa, Jharkhand is part of this network and uses the IFSC code HDFC0002699 for all electronic settlement.
About the Garhwa branch
The Garhwa branch of HDFC Bank is situated at HDFC BANK LTD., GP PLAZA, CHINIA ROAD, GHARWA, GARHWA JHARKHAND 822114. 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 HDFC0002699 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Garhwa |
| IFSC Code | HDFC0002699 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD., GP PLAZA, CHINIA ROAD, GHARWA, GARHWA JHARKHAND 822114 |
| City | Garhwa |
| District | Garhwa |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 8602666161 |
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 GARHWA branch came to be assigned the code HDFC0002699.
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 HDFC0002699, money simply cannot be routed to the GARHWA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Garhwa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0002699 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC HDFC0002699
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 HDFC0002699 across all three.
NEFT to HDFC Bank, GARHWA using IFSC HDFC0002699
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 HDFC0002699, and confirm that the system picks up HDFC Bank – GARHWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0002699
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 – GARHWA, ensure your bank's portal accepts IFSC HDFC0002699 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank GARHWA (IFSC HDFC0002699)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0002699 in your mobile or internet banking app, and the money is credited to the GARHWA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Garhwa
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 HDFC0002699:
- 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 GARHWA is still linked to IFSC HDFC0002699.
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 GARHWA branch, the IFSC HDFC0002699 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 Garhwa branch
Once you have an account at HDFC Bank – GARHWA, the IFSC HDFC0002699 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 Garhwa 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 HDFC0002699
Online banking and IFSC HDFC0002699
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the GARHWA 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 HDFC0002699 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.
How to reach the Garhwa branch
The branch is located at HDFC BANK LTD., GP PLAZA, CHINIA ROAD, GHARWA, GARHWA JHARKHAND 822114, which puts it inside Garhwa, the broader Garhwa district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Garhwa branch” — the verified location pin for IFSC HDFC0002699 should appear at the top of the results.
- Confirm the branch is open by calling 91-8602666161 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 HDFC0002699 and your account number.
Common mistakes to avoid when using IFSC HDFC0002699
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 – GARHWA, 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:
HDFC0002699. - 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.
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 Garhwa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002699, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0002699 for HDFC Bank – GARHWA, 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 address & contact
HDFC BankGarhwa Branch
HDFC BANK LTD., GP PLAZA, CHINIA ROAD, GHARWA, GARHWA JHARKHAND 822114
Garhwa, Jharkhand
Phone: 91-8602666161
IFSC: HDFC0002699
Frequently asked questions
Where is HDFC Bank Garhwa branch located?
HDFC Bank's Garhwa branch is located at HDFC BANK LTD., GP PLAZA, CHINIA ROAD, GHARWA, GARHWA JHARKHAND 822114, Garhwa, Jharkhand.
What is the phone number of HDFC Bank Garhwa branch?
You can reach the branch at 91-8602666161 during regular banking hours.
Is IFSC HDFC0002699 valid for NEFT and RTGS?
Yes. IFSC HDFC0002699 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HDFC0002699 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0002699 to send funds instantly.
Does HDFC Bank Garhwa branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8602666161 to confirm.
Is IFSC HDFC0002699 the same for all accounts at Garhwa branch?
Yes. The IFSC HDFC0002699 is shared by every account held at HDFC Bank's Garhwa branch. Only the account number changes from customer to customer.
Summary
The IFSC code HDFC0002699 belongs to HDFC Bank's GARHWA branch, located at HDFC BANK LTD., GP PLAZA, CHINIA ROAD, GHARWA, GARHWA JHARKHAND 822114 in GARHWA, 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.
