This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, HOJAI branch in HOJAI. The 11-digit IFSC HDFC0001992 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 HOJAI 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.
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 HOJAI branch, the IFSC HDFC0001992 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 001992 identifies this particular branch.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hojai branch in Hojai, Assam is part of this network and uses the IFSC code HDFC0001992 for all electronic settlement.
About this branch
The branch is located at HDFC BANK LTD J.K KEDIA RAOD HOJAI PIN 782435. It serves the Hojai 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 HDFC0001992 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Hojai |
| IFSC Code | HDFC0001992 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD J.K KEDIA RAOD HOJAI PIN 782435 |
| City | Hojai |
| District | Nagaon |
| State | Assam |
| STD Code | 91 |
| Phone | 9957193333 |
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 HOJAI of HDFC Bank — its own 11-character IFSC. The code HDFC0001992 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 HDFC0001992 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 HDFC0001992 and the account number together uniquely identify the Hojai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0001992
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 HDFC0001992 across all three.
NEFT to HDFC Bank, HOJAI using IFSC HDFC0001992
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 HDFC0001992, and confirm that the system picks up HDFC Bank – HOJAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0001992
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 – HOJAI, ensure your bank's portal accepts IFSC HDFC0001992 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – HOJAI, use IMPS. With IFSC HDFC0001992 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 HDFC0001992 for HDFC Bank – HOJAI, 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 – HDFC0001992 | Yes – HDFC0001992 | Yes – HDFC0001992 |
For most retail customers crediting the Hojai 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 HDFC0001992
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 – HOJAI is still mapped to IFSC HDFC0001992. 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 HDFC0001992 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Hojai branch is mapped to IFSC HDFC0001992 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 HDFC0001992.
Products and services
Customers walking into the Hojai 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 HDFC0001992
Digital banking channels
Most day-to-day work that customers used to do at the Hojai 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 HDFC0001992 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.
How to reach the Hojai branch
The branch is located at HDFC BANK LTD J.K KEDIA RAOD HOJAI PIN 782435, which puts it inside Hojai, the broader Nagaon district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Hojai branch” — the verified location pin for IFSC HDFC0001992 should appear at the top of the results.
- Confirm the branch is open by calling 91-9957193333 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 HDFC0001992 and your account number.
Common mistakes to avoid when using IFSC HDFC0001992
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 – HOJAI, 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:
HDFC0001992. - 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.
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 Hojai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0001992, however, work 24x7.
Verifying IFSC HDFC0001992 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 HDFC0001992 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9957193333.
- Visiting the bank's official branch locator page.
Branch address & contact
HDFC BankHojai Branch
HDFC BANK LTD J.K KEDIA RAOD HOJAI PIN 782435
Hojai, Assam
Phone: 91-9957193333
IFSC: HDFC0001992
Frequently asked questions
Is IFSC HDFC0001992 valid for NEFT and RTGS?
Yes. IFSC HDFC0001992 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Hojai branch located?
HDFC Bank's Hojai branch is located at HDFC BANK LTD J.K KEDIA RAOD HOJAI PIN 782435, Hojai, Assam.
Can I use IFSC HDFC0001992 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001992 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 Hojai branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0001992 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Hojai reflect within 30 minutes.
Does HDFC Bank Hojai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9957193333 to confirm.
How do I add HDFC Bank Hojai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0001992, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code HDFC0001992 belongs to HDFC Bank's HOJAI branch, located at HDFC BANK LTD J.K KEDIA RAOD HOJAI PIN 782435 in HOJAI, ASSAM. 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.
