This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, OTA, GAYA branch in GAYA. The 11-digit IFSC HDFC0002871 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the OTA, GAYA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, HDFC0002871 is the IFSC of HDFC Bank's OTA, GAYA branch. The format is fixed: HDFC = bank code, 0 = reserved, 002871 = 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 Ota, Gaya branch in Gaya, Bihar is part of this network and uses the IFSC code HDFC0002871 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Ota, Gaya |
| IFSC Code | HDFC0002871 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD CANTEEN AREA, OFFICERS TRAINING ACADEMY, OFFICERS TRAINING ACADEMY, GAYA BIHAR 823005 |
| City | Gaya |
| District | Gaya |
| State | Bihar |
| STD Code | 91 |
| Phone | 8602666161 |
About this branch
The branch is located at HDFC BANK LTD CANTEEN AREA, OFFICERS TRAINING ACADEMY, OFFICERS TRAINING ACADEMY, GAYA BIHAR 823005. It serves the Gaya 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 HDFC0002871 is used to identify this branch on the RBI payments network.
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 OTA, GAYA of HDFC Bank — its own 11-character IFSC. The code HDFC0002871 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 HDFC0002871 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ota, Gaya branch is mapped to IFSC HDFC0002871 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 HDFC0002871.
Products and services
Customers walking into the Ota, Gaya 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 HDFC0002871
How to transfer money using IFSC HDFC0002871
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 HDFC0002871 across all three.
NEFT to HDFC Bank, OTA, GAYA using IFSC HDFC0002871
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 HDFC0002871, and confirm that the system picks up HDFC Bank – OTA, GAYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0002871
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 – OTA, GAYA, ensure your bank's portal accepts IFSC HDFC0002871 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – OTA, GAYA, use IMPS. With IFSC HDFC0002871 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 Ota, Gaya
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 HDFC0002871:
- 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 OTA, GAYA is still linked to IFSC HDFC0002871.
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.
UPI payments and IFSC HDFC0002871
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 – OTA, GAYA is still mapped to IFSC HDFC0002871. 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 HDFC0002871 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 Ota, Gaya 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 HDFC0002871 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 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 HDFC0002871 and the account number together uniquely identify the Ota, Gaya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC HDFC0002871
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 – OTA, GAYA, 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:
HDFC0002871. - 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.
Reaching the branch
The Ota, Gaya branch sits at HDFC BANK LTD CANTEEN AREA, OFFICERS TRAINING ACADEMY, OFFICERS TRAINING ACADEMY, GAYA BIHAR 823005. If you are travelling from outside Gaya, search for the branch on a maps application using the bank name and locality, or call 91-8602666161 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 HDFC0002871 and your account number.
Verifying IFSC HDFC0002871 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 HDFC0002871 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8602666161.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ota, Gaya 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 HDFC0002871 continue to work without interruption.
Branch address & contact
HDFC BankOta, Gaya Branch
HDFC BANK LTD CANTEEN AREA, OFFICERS TRAINING ACADEMY, OFFICERS TRAINING ACADEMY, GAYA BIHAR 823005
Gaya, Bihar
Phone: 91-8602666161
IFSC: HDFC0002871
Frequently asked questions
What is the IFSC code of HDFC Bank Ota, Gaya branch?
The IFSC code of HDFC Bank, Ota, Gaya branch is HDFC0002871. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC HDFC0002871 valid for NEFT and RTGS?
Yes. IFSC HDFC0002871 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Ota, Gaya branch located?
HDFC Bank's Ota, Gaya branch is located at HDFC BANK LTD CANTEEN AREA, OFFICERS TRAINING ACADEMY, OFFICERS TRAINING ACADEMY, GAYA BIHAR 823005, Gaya, Bihar.
Is IFSC HDFC0002871 the same for all accounts at Ota, Gaya branch?
Yes. The IFSC HDFC0002871 is shared by every account held at HDFC Bank's Ota, Gaya branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Ota, Gaya branch?
You can reach the branch at 91-8602666161 during regular banking hours.
How do I add HDFC Bank Ota, Gaya as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002871, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: HDFC0002871 is the IFSC code of HDFC Bank, OTA, GAYA branch, in GAYA, BIHAR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
