Use this page as a one-stop reference for everything related to HDFC Bank's JAMMU - JAMMU AND KASHMIR branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code HDFC0000241 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.
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 – JAMMU - JAMMU AND KASHMIR is HDFC0000241. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000241 map to this branch in JAMMU, JAMMU AND KASHMIR.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Jammu - Jammu and Kashmir 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, HDFC0000241.
About this branch
The branch is located at CB-13,RAIL HEADCOMMERCIAL COMPLEXGANDHI NAGARJAMMUJAMMU AND KASHMIR180012. 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 HDFC0000241 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Jammu - Jammu and Kashmir |
| IFSC Code | HDFC0000241 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CB-13,RAIL HEADCOMMERCIAL COMPLEXGANDHI NAGARJAMMUJAMMU AND KASHMIR180012 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 8001804333 |
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 - JAMMU AND KASHMIR branch came to be assigned the code HDFC0000241.
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 HDFC0000241, money simply cannot be routed to the JAMMU - JAMMU AND KASHMIR branch electronically.
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 HDFC0000241 and the account number together uniquely identify the Jammu - Jammu and Kashmir branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0000241
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 HDFC0000241 across all three.
How to use IFSC HDFC0000241 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's JAMMU - JAMMU AND KASHMIR 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 HDFC0000241.
- Confirm the bank name auto-populates as HDFC Bank and the branch as JAMMU - JAMMU AND KASHMIR.
- 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 JAMMU - JAMMU AND KASHMIR
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's JAMMU - JAMMU AND KASHMIR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0000241 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank JAMMU - JAMMU AND KASHMIR (IFSC HDFC0000241)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000241 in your mobile or internet banking app, and the money is credited to the JAMMU - JAMMU AND KASHMIR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jammu - Jammu and Kashmir
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC HDFC0000241:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at JAMMU - JAMMU AND KASHMIR is still linked to IFSC HDFC0000241.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC HDFC0000241
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 - JAMMU AND KASHMIR is still mapped to IFSC HDFC0000241. 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 HDFC0000241 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jammu - Jammu and Kashmir branch is mapped to IFSC HDFC0000241 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 HDFC0000241.
Banking services available
The Jammu - Jammu and Kashmir branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8001804333.
- 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 HDFC0000241
Online banking and IFSC HDFC0000241
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the JAMMU - JAMMU AND KASHMIR 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 HDFC0000241 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 Jammu - Jammu and Kashmir branch sits at CB-13,RAIL HEADCOMMERCIAL COMPLEXGANDHI NAGARJAMMUJAMMU AND KASHMIR180012. 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 HDFC0000241 and your account number.
Common mistakes to avoid when using IFSC HDFC0000241
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 – JAMMU - JAMMU AND KASHMIR, 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:
HDFC0000241. - 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 Jammu - Jammu and Kashmir branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0000241, however, work 24x7.
Verifying IFSC HDFC0000241 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 HDFC0000241 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 address & contact
HDFC BankJammu - Jammu and Kashmir Branch
CB-13,RAIL HEADCOMMERCIAL COMPLEXGANDHI NAGARJAMMUJAMMU AND KASHMIR180012
Jammu, Jammu and Kashmir
Phone: 91-8001804333
IFSC: HDFC0000241
Frequently asked questions
Where is HDFC Bank Jammu - Jammu and Kashmir branch located?
HDFC Bank's Jammu - Jammu and Kashmir branch is located at CB-13,RAIL HEADCOMMERCIAL COMPLEXGANDHI NAGARJAMMUJAMMU AND KASHMIR180012, Jammu, Jammu and Kashmir.
How do I add HDFC Bank Jammu - Jammu and Kashmir as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000241, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0000241 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Jammu - Jammu and Kashmir reflect within 30 minutes.
Does HDFC Bank Jammu - Jammu and Kashmir 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 - Jammu and Kashmir branch but serve different purposes.
What is the phone number of HDFC Bank Jammu - Jammu and Kashmir branch?
You can reach the branch at 91-8001804333 during regular banking hours.
Is IFSC HDFC0000241 the same for all accounts at Jammu - Jammu and Kashmir branch?
Yes. The IFSC HDFC0000241 is shared by every account held at HDFC Bank's Jammu - Jammu and Kashmir branch. Only the account number changes from customer to customer.
Summary
The IFSC code HDFC0000241 belongs to HDFC Bank's JAMMU - JAMMU AND KASHMIR branch, located at CB-13,RAIL HEADCOMMERCIAL COMPLEXGANDHI NAGARJAMMUJAMMU AND KASHMIR180012 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.
