Use this page as a one-stop reference for everything related to HDFC Bank's JAMMU - GUMAT branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code HDFC0000413 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.
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 JAMMU - GUMAT branch, the IFSC HDFC0000413 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 000413 identifies this particular branch.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Jammu - Gumat branch in Jammu. 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, HDFC0000413.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Jammu - Gumat |
| IFSC Code | HDFC0000413 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOTEL VIVEK,NEAR GENERAL BUS STAND,BELOW GUMATJAMMUJAMMU AND KASHMIR180001 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 8001804333 |
Jammu - Gumat branch overview
Located at HOTEL VIVEK,NEAR GENERAL BUS STAND,BELOW GUMATJAMMUJAMMU AND KASHMIR180001, the Jammu - Gumat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0000413 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 JAMMU - GUMAT branch came to be assigned the code HDFC0000413.
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 HDFC0000413, money simply cannot be routed to the JAMMU - GUMAT branch electronically.
Products and account variants supported
Every account opened at the Jammu - Gumat branch is mapped to IFSC HDFC0000413 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 HDFC0000413.
Products and services
Customers walking into the Jammu - Gumat 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 HDFC0000413
How to transfer money using IFSC HDFC0000413
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 HDFC0000413 across all three.
NEFT to HDFC Bank, JAMMU - GUMAT using IFSC HDFC0000413
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 HDFC0000413, and confirm that the system picks up HDFC Bank – JAMMU - GUMAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0000413
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 – JAMMU - GUMAT, ensure your bank's portal accepts IFSC HDFC0000413 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank JAMMU - GUMAT (IFSC HDFC0000413)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000413 in your mobile or internet banking app, and the money is credited to the JAMMU - GUMAT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0000413 for HDFC Bank – JAMMU - GUMAT, 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 – HDFC0000413 | Yes – HDFC0000413 | Yes – HDFC0000413 |
For most retail customers crediting the Jammu - Gumat 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 HDFC0000413
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 – JAMMU - GUMAT is still mapped to IFSC HDFC0000413. 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 HDFC0000413 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0000413
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the JAMMU - GUMAT 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 HDFC0000413 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 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 HDFC0000413 and the account number together uniquely identify the Jammu - Gumat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – JAMMU - GUMAT:
- The IFSC is exactly HDFC0000413 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 JAMMU - GUMAT 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.
How to reach the Jammu - Gumat branch
The branch is located at HOTEL VIVEK,NEAR GENERAL BUS STAND,BELOW GUMATJAMMUJAMMU AND KASHMIR180001, which puts it inside Jammu, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Jammu - Gumat branch” — the verified location pin for IFSC HDFC0000413 should appear at the top of the results.
- Confirm the branch is open by calling 91-8001804333 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 HDFC0000413 and your account number.
Verifying IFSC HDFC0000413 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 HDFC0000413 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 Jammu - Gumat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0000413, however, work 24x7.
Branch address & contact
HDFC BankJammu - Gumat Branch
HOTEL VIVEK,NEAR GENERAL BUS STAND,BELOW GUMATJAMMUJAMMU AND KASHMIR180001
Jammu, Jammu and Kashmir
Phone: 91-8001804333
IFSC: HDFC0000413
Frequently asked questions
What is the phone number of HDFC Bank Jammu - Gumat branch?
You can reach the branch at 91-8001804333 during regular banking hours.
Where is HDFC Bank Jammu - Gumat branch located?
HDFC Bank's Jammu - Gumat branch is located at HOTEL VIVEK,NEAR GENERAL BUS STAND,BELOW GUMATJAMMUJAMMU AND KASHMIR180001, Jammu, Jammu and Kashmir.
How do I add HDFC Bank Jammu - Gumat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000413, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0000413 the same for all accounts at Jammu - Gumat branch?
Yes. The IFSC HDFC0000413 is shared by every account held at HDFC Bank's Jammu - Gumat branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using HDFC0000413 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Jammu - Gumat reflect within 30 minutes.
Does HDFC Bank Jammu - Gumat 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 Jammu - Gumat branch but serve different purposes.
Summary
The IFSC code HDFC0000413 belongs to HDFC Bank's JAMMU - GUMAT branch, located at HOTEL VIVEK,NEAR GENERAL BUS STAND,BELOW GUMATJAMMUJAMMU AND KASHMIR180001 in JAMMU, JAMMU AND KASHMIR. 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.
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