This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, CHWADI branch in JAMMU. The 11-digit IFSC HDFC0003554 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 CHWADI 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 CHWADI branch, the IFSC HDFC0003554 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003554 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 Chwadi branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code HDFC0003554 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Chwadi |
| IFSC Code | HDFC0003554 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HEAD QUATER SUNJWAN, CHWADI CHWADI JAMMU AND KASHMIR 190001 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 8001804333 |
About this branch
The branch is located at HEAD QUATER SUNJWAN, CHWADI CHWADI JAMMU AND KASHMIR 190001. It serves the Jammu 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 HDFC0003554 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 CHWADI of HDFC Bank — its own 11-character IFSC. The code HDFC0003554 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 HDFC0003554 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Chwadi branch is mapped to IFSC HDFC0003554 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 HDFC0003554.
Products and services
Customers walking into the Chwadi 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 HDFC0003554
How to transfer money using IFSC HDFC0003554
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 HDFC0003554 across all three.
NEFT to HDFC Bank, CHWADI using IFSC HDFC0003554
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 HDFC0003554, and confirm that the system picks up HDFC Bank – CHWADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0003554
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 – CHWADI, ensure your bank's portal accepts IFSC HDFC0003554 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – CHWADI, use IMPS. With IFSC HDFC0003554 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 HDFC0003554 for HDFC Bank – CHWADI, 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 – HDFC0003554 | Yes – HDFC0003554 | Yes – HDFC0003554 |
For most retail customers crediting the Chwadi 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 HDFC0003554
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 – CHWADI is still mapped to IFSC HDFC0003554. 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 HDFC0003554 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0003554
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the CHWADI 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 HDFC0003554 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.
MICR & cheque-truncation details
Cheques drawn on the Chwadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003554 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – CHWADI:
- The IFSC is exactly HDFC0003554 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 CHWADI 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 Chwadi branch sits at HEAD QUATER SUNJWAN, CHWADI CHWADI JAMMU AND KASHMIR 190001. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 91-8001804333 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 HDFC0003554 and your account number.
Verifying IFSC HDFC0003554 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 HDFC0003554 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 Chwadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003554, however, work 24x7.
Branch address & contact
HDFC BankChwadi Branch
HEAD QUATER SUNJWAN, CHWADI CHWADI JAMMU AND KASHMIR 190001
Jammu, Jammu and Kashmir
Phone: 91-8001804333
IFSC: HDFC0003554
Frequently asked questions
Is IFSC HDFC0003554 the same for all accounts at Chwadi branch?
Yes. The IFSC HDFC0003554 is shared by every account held at HDFC Bank's Chwadi branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using HDFC0003554 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Chwadi reflect within 30 minutes.
Is IFSC HDFC0003554 valid for NEFT and RTGS?
Yes. IFSC HDFC0003554 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HDFC0003554 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003554 to send funds instantly.
Does HDFC Bank Chwadi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8001804333 to confirm.
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 Chwadi branch but serve different purposes.
What is the phone number of HDFC Bank Chwadi branch?
You can reach the branch at 91-8001804333 during regular banking hours.
Final notes
To recap: HDFC0003554 is the IFSC code of HDFC Bank, CHWADI branch, in JAMMU, JAMMU AND KASHMIR. 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.
