If you are searching for the IFSC code of HDFC Bank, PANJABARI branch in GUWAHATI, ASSAM, this page has every detail you need. The verified IFSC code for this branch is HDFC0009784. 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 PANJABARI branch, and detailed step-by-step guides for using the IFSC HDFC0009784 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For HDFC Bank's PANJABARI branch, the IFSC HDFC0009784 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 009784 identifies this particular branch.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Panjabari branch — IFSC HDFC0009784 — extends the bank's services to customers in and around Guwahati, Assam.
About the Panjabari branch
The Panjabari branch of HDFC Bank is situated at HDFC BANK LTD GRD FLOOR OPP PANJABARI KALAKSHETRA GATE NO 2 PANJABARI MAIN ROAD GUWAHATI ASSAM 781037. 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 HDFC0009784 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Panjabari |
| IFSC Code | HDFC0009784 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD GRD FLOOR OPP PANJABARI KALAKSHETRA GATE NO 2 PANJABARI MAIN ROAD GUWAHATI ASSAM 781037 |
| City | Guwahati |
| District | Kamrup Metropolitan |
| State | Assam |
| STD Code | 1800 |
| Phone | 2026161 |
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 PANJABARI of HDFC Bank — its own 11-character IFSC. The code HDFC0009784 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 HDFC0009784 the same way you would treat your account number — verify it once and save it carefully for future use.
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 HDFC0009784 and the account number together uniquely identify the Panjabari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0009784
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 HDFC0009784 across all three.
How to use IFSC HDFC0009784 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's PANJABARI 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 HDFC0009784.
- Confirm the bank name auto-populates as HDFC Bank and the branch as PANJABARI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0009784
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 – PANJABARI, ensure your bank's portal accepts IFSC HDFC0009784 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank PANJABARI (IFSC HDFC0009784)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009784 in your mobile or internet banking app, and the money is credited to the PANJABARI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0009784 for HDFC Bank – PANJABARI, 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 – HDFC0009784 | Yes – HDFC0009784 | Yes – HDFC0009784 |
For most retail customers crediting the Panjabari 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 PANJABARI branch, the IFSC HDFC0009784 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.
Products and account variants supported
Every account opened at the Panjabari branch is mapped to IFSC HDFC0009784 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 HDFC0009784.
Products and services
Customers walking into the Panjabari 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 HDFC0009784
Online banking and IFSC HDFC0009784
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the PANJABARI 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 HDFC0009784 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.
Reaching the branch
The Panjabari branch sits at HDFC BANK LTD GRD FLOOR OPP PANJABARI KALAKSHETRA GATE NO 2 PANJABARI MAIN ROAD GUWAHATI ASSAM 781037. If you are travelling from outside Guwahati, search for the branch on a maps application using the bank name and locality, or call 1800-2026161 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 HDFC0009784 and your account number.
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 – PANJABARI:
- The IFSC is exactly HDFC0009784 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 PANJABARI 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.
Working hours
Branch counters at Panjabari 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 HDFC0009784 continue to work without interruption.
Verifying IFSC HDFC0009784 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 HDFC0009784 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.
Branch address & contact
HDFC BankPanjabari Branch
HDFC BANK LTD GRD FLOOR OPP PANJABARI KALAKSHETRA GATE NO 2 PANJABARI MAIN ROAD GUWAHATI ASSAM 781037
Guwahati, Assam
Phone: 1800-2026161
IFSC: HDFC0009784
Frequently asked questions
Is IFSC HDFC0009784 the same for all accounts at Panjabari branch?
Yes. The IFSC HDFC0009784 is shared by every account held at HDFC Bank's Panjabari branch. Only the account number changes from customer to customer.
Can I use IFSC HDFC0009784 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0009784 to send funds instantly.
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 Panjabari branch but serve different purposes.
What is the phone number of HDFC Bank Panjabari branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Is IFSC HDFC0009784 valid for NEFT and RTGS?
Yes. IFSC HDFC0009784 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Panjabari branch?
The IFSC code of HDFC Bank, Panjabari branch is HDFC0009784. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HDFC0009784 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Panjabari reflect within 30 minutes.
How do I add HDFC Bank Panjabari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0009784, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: HDFC0009784 is the IFSC code of HDFC Bank, PANJABARI branch, in GUWAHATI, ASSAM. 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.
