IFSC Code of HDFC Bank, Pal Chowk Branch, Maharashtra

If you are searching for the IFSC code of HDFC Bank, PAL CHOWK branch in GONDIYA, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is HDFC0006327. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PAL CHOWK branch, and detailed step-by-step guides for using the IFSC HDFC0006327 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – PAL CHOWK is HDFC0006327. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006327 map to this branch in GONDIYA, MAHARASHTRA.

Branch details at a glance

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pal Chowk branch — IFSC HDFC0006327 — extends the bank's services to customers in and around Gondiya, Maharashtra.

About this branch

The branch is located at UPPER GRD FLOOR RING ROAD NEAR KUDWA NAKA LOHIYA WARD NEAR PAL CHOWK GONDIYA MAHARASHTRA 441601. It serves the Gondiya 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 HDFC0006327 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 PAL CHOWK of HDFC Bank — its own 11-character IFSC. The code HDFC0006327 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 HDFC0006327 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 HDFC0006327

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 HDFC0006327 across all three.

How to use IFSC HDFC0006327 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's PAL CHOWK 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0006327.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as PAL CHOWK.
5. 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 PAL CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's PAL CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0006327 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – PAL CHOWK, use IMPS. With IFSC HDFC0006327 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC HDFC0006327 for HDFC Bank – PAL CHOWK, 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 Pal Chowk 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 HDFC0006327

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 – PAL CHOWK is still mapped to IFSC HDFC0006327. 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 HDFC0006327 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pal Chowk branch is mapped to IFSC HDFC0006327 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 HDFC0006327.

Banking services available

The Pal Chowk branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2676161.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC HDFC0006327

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 HDFC0006327 and the account number together uniquely identify the Pal Chowk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0006327

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the PAL CHOWK 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 HDFC0006327 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 – PAL CHOWK:

• The IFSC is exactly HDFC0006327 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 PAL CHOWK 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.

Reaching the branch

The Pal Chowk branch sits at UPPER GRD FLOOR RING ROAD NEAR KUDWA NAKA LOHIYA WARD NEAR PAL CHOWK GONDIYA MAHARASHTRA 441601. If you are travelling from outside Gondiya, search for the branch on a maps application using the bank name and locality, or call 1860-2676161 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 HDFC0006327 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0006327 for HDFC Bank – PAL CHOWK, 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 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 Pal Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0006327, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0006327 belongs to HDFC Bank's PAL CHOWK branch, located at UPPER GRD FLOOR RING ROAD NEAR KUDWA NAKA LOHIYA WARD NEAR PAL CHOWK GONDIYA… in GONDIYA, MAHARASHTRA. 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.