Use this page as a one-stop reference for everything related to HDFC Bank's BAGODAR branch in GIRIDIH, JHARKHAND. The branch's IFSC code HDFC0009775 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 – BAGODAR is HDFC0009775. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009775 map to this branch in GIRIDIH, JHARKHAND.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Bagodar branch in Giridih. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, HDFC0009775.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Bagodar |
| IFSC Code | HDFC0009775 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD GRD FLOOR GT ROAD BAGODAR NICHE BAZAR GIRIDIH JHARKHAND 825322 |
| City | Giridih |
| District | Giridih |
| State | Jharkhand |
| STD Code | 1800 |
| Phone | 2026161 |
Bagodar branch overview
Located at HDFC BANK LTD GRD FLOOR GT ROAD BAGODAR NICHE BAZAR GIRIDIH JHARKHAND 825322, the Bagodar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0009775 is required for all interbank electronic transfers routed through this branch.
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 BAGODAR branch came to be assigned the code HDFC0009775.
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 HDFC0009775, money simply cannot be routed to the BAGODAR branch electronically.
Products and account variants supported
Every account opened at the Bagodar branch is mapped to IFSC HDFC0009775 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 HDFC0009775.
Products and services
Customers walking into the Bagodar 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 HDFC0009775
How to transfer money using IFSC HDFC0009775
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 HDFC0009775 across all three.
How to use IFSC HDFC0009775 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's BAGODAR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0009775.
- Confirm the bank name auto-populates as HDFC Bank and the branch as BAGODAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to BAGODAR
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's BAGODAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0009775 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank BAGODAR (IFSC HDFC0009775)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009775 in your mobile or internet banking app, and the money is credited to the BAGODAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bagodar
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 HDFC0009775:
- 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 BAGODAR is still linked to IFSC HDFC0009775.
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 BAGODAR branch, the IFSC HDFC0009775 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.
Digital banking channels
Most day-to-day work that customers used to do at the Bagodar 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 HDFC0009775 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 HDFC0009775 and the account number together uniquely identify the Bagodar 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 HDFC0009775
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 – BAGODAR, 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:
HDFC0009775. - 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 Bagodar branch
The branch is located at HDFC BANK LTD GRD FLOOR GT ROAD BAGODAR NICHE BAZAR GIRIDIH JHARKHAND 825322, which puts it inside Giridih, the broader Giridih district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Bagodar branch” — the verified location pin for IFSC HDFC0009775 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 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 HDFC0009775 and your account number.
Verifying IFSC HDFC0009775 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 HDFC0009775 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bagodar 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 HDFC0009775 continue to work without interruption.
Branch address & contact
HDFC BankBagodar Branch
HDFC BANK LTD GRD FLOOR GT ROAD BAGODAR NICHE BAZAR GIRIDIH JHARKHAND 825322
Giridih, Jharkhand
Phone: 1800-2026161
IFSC: HDFC0009775
Frequently asked questions
Is IFSC HDFC0009775 the same for all accounts at Bagodar branch?
Yes. The IFSC HDFC0009775 is shared by every account held at HDFC Bank's Bagodar branch. Only the account number changes from customer to customer.
Does HDFC Bank Bagodar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
How do I add HDFC Bank Bagodar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0009775, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank Bagodar branch located?
HDFC Bank's Bagodar branch is located at HDFC BANK LTD GRD FLOOR GT ROAD BAGODAR NICHE BAZAR GIRIDIH JHARKHAND 825322, Giridih, Jharkhand.
Can I use IFSC HDFC0009775 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0009775 to send funds instantly.
What is the phone number of HDFC Bank Bagodar branch?
You can reach the branch at 1800-2026161 during regular banking hours.
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 Bagodar branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0009775 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Bagodar reflect within 30 minutes.
Summary
The IFSC code HDFC0009775 belongs to HDFC Bank's BAGODAR branch, located at HDFC BANK LTD GRD FLOOR GT ROAD BAGODAR NICHE BAZAR GIRIDIH JHARKHAND 825322 in GIRIDIH, 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.
