Use this page as a one-stop reference for everything related to HDFC Bank's GHUMARWIN branch in GHUMARWIN, HIMACHAL PRADESH. The branch's IFSC code HDFC0002969 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, HDFC0002969 is the IFSC of HDFC Bank's GHUMARWIN branch. The format is fixed: HDFC = bank code, 0 = reserved, 002969 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Ghumarwin |
| IFSC Code | HDFC0002969 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD., VILLAGE DAKRI SHARHI, WARD NUMBER 5, GHUMARWINTOWN, BILASPUR HIMACHAL PRADESH 174021 |
| City | Ghumarwin |
| District | Bilaspur |
| State | Himachal Pradesh |
| STD Code | 91 |
| Phone | 8001804333 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ghumarwin branch in Ghumarwin, Himachal Pradesh is part of this network and uses the IFSC code HDFC0002969 for all electronic settlement.
About this branch
The branch is located at HDFC BANK LTD., VILLAGE DAKRI SHARHI, WARD NUMBER 5, GHUMARWINTOWN, BILASPUR HIMACHAL PRADESH 174021. It serves the Ghumarwin 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 HDFC0002969 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 GHUMARWIN of HDFC Bank — its own 11-character IFSC. The code HDFC0002969 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 HDFC0002969 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 HDFC0002969
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 HDFC0002969 across all three.
NEFT to HDFC Bank, GHUMARWIN using IFSC HDFC0002969
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 HDFC0002969, and confirm that the system picks up HDFC Bank – GHUMARWIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GHUMARWIN
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's GHUMARWIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0002969 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank GHUMARWIN (IFSC HDFC0002969)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0002969 in your mobile or internet banking app, and the money is credited to the GHUMARWIN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0002969 for HDFC Bank – GHUMARWIN, 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 – HDFC0002969 | Yes – HDFC0002969 | Yes – HDFC0002969 |
For most retail customers crediting the Ghumarwin 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.
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 GHUMARWIN branch, the IFSC HDFC0002969 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 Ghumarwin branch
Once you have an account at HDFC Bank – GHUMARWIN, the IFSC HDFC0002969 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 Ghumarwin 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 HDFC0002969
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 HDFC0002969 and the account number together uniquely identify the Ghumarwin branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0002969
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the GHUMARWIN 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 HDFC0002969 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.
Common mistakes to avoid when using IFSC HDFC0002969
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 – GHUMARWIN, 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:
HDFC0002969. - 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 Ghumarwin branch
The branch is located at HDFC BANK LTD., VILLAGE DAKRI SHARHI, WARD NUMBER 5, GHUMARWINTOWN, BILASPUR HIMACHAL PRADESH 174021, which puts it inside Ghumarwin, the broader Bilaspur district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Ghumarwin branch” — the verified location pin for IFSC HDFC0002969 should appear at the top of the results.
- Confirm the branch is open by calling 91-8001804333 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 HDFC0002969 and your account number.
Verifying IFSC HDFC0002969 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 HDFC0002969 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8001804333.
- 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 Ghumarwin branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002969, however, work 24x7.
Branch address & contact
HDFC BankGhumarwin Branch
HDFC BANK LTD., VILLAGE DAKRI SHARHI, WARD NUMBER 5, GHUMARWINTOWN, BILASPUR HIMACHAL PRADESH 174021
Ghumarwin, Himachal Pradesh
Phone: 91-8001804333
IFSC: HDFC0002969
Frequently asked questions
Is IFSC HDFC0002969 the same for all accounts at Ghumarwin branch?
Yes. The IFSC HDFC0002969 is shared by every account held at HDFC Bank's Ghumarwin branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Ghumarwin as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002969, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0002969 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Ghumarwin reflect within 30 minutes.
What is the phone number of HDFC Bank Ghumarwin branch?
You can reach the branch at 91-8001804333 during regular banking hours.
What is the IFSC code of HDFC Bank Ghumarwin branch?
The IFSC code of HDFC Bank, Ghumarwin branch is HDFC0002969. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ghumarwin branch but serve different purposes.
Does HDFC Bank Ghumarwin branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8001804333 to confirm.
Is IFSC HDFC0002969 valid for NEFT and RTGS?
Yes. IFSC HDFC0002969 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0002969 belongs to HDFC Bank's GHUMARWIN branch, located at HDFC BANK LTD., VILLAGE DAKRI SHARHI, WARD NUMBER 5, GHUMARWINTOWN, BILASPUR… in GHUMARWIN, HIMACHAL PRADESH. 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.
