Below are the complete branch details for HDFC Bank, MIRAN SAHIB branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0009649. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0009649 for HDFC Bank – MIRAN SAHIB — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – MIRAN SAHIB is HDFC0009649. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009649 map to this branch in JAMMU, JAMMU AND KASHMIR.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Miran Sahib 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, HDFC0009649.
About the Miran Sahib branch
The Miran Sahib branch of HDFC Bank is situated at HDFC BANK LTD MAIN CHOWK MIRAN SAHIB ADJACENT TO CANARA BANK JAMMU JAMMU AND KASHMIR 181101. 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 HDFC0009649 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Miran Sahib |
| IFSC Code | HDFC0009649 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD MAIN CHOWK MIRAN SAHIB ADJACENT TO CANARA BANK JAMMU JAMMU AND KASHMIR 181101 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 1860 |
| Phone | 2676161 |
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 MIRAN SAHIB branch came to be assigned the code HDFC0009649.
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 HDFC0009649, money simply cannot be routed to the MIRAN SAHIB branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Miran Sahib branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0009649 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC HDFC0009649
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 HDFC0009649 across all three.
How to use IFSC HDFC0009649 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's MIRAN SAHIB 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 HDFC0009649.
- Confirm the bank name auto-populates as HDFC Bank and the branch as MIRAN SAHIB.
- 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 MIRAN SAHIB
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's MIRAN SAHIB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0009649 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank MIRAN SAHIB (IFSC HDFC0009649)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009649 in your mobile or internet banking app, and the money is credited to the MIRAN SAHIB branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Miran Sahib
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 HDFC0009649:
- 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 MIRAN SAHIB is still linked to IFSC HDFC0009649.
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 HDFC0009649
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 – MIRAN SAHIB is still mapped to IFSC HDFC0009649. 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 HDFC0009649 and the beneficiary's account number to complete the transfer.
Account types you can open at the Miran Sahib branch
Once you have an account at HDFC Bank – MIRAN SAHIB, the IFSC HDFC0009649 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Miran Sahib branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2676161.
- 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 HDFC0009649
Online banking and IFSC HDFC0009649
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the MIRAN SAHIB 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 HDFC0009649 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 Miran Sahib branch sits at HDFC BANK LTD MAIN CHOWK MIRAN SAHIB ADJACENT TO CANARA BANK JAMMU JAMMU AND KASHMIR 181101. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 1860-2676161 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 HDFC0009649 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 – MIRAN SAHIB:
- The IFSC is exactly HDFC0009649 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 MIRAN SAHIB 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 Miran Sahib 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 HDFC0009649 continue to work without interruption.
Verifying IFSC HDFC0009649 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 HDFC0009649 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1860-2676161.
- Visiting the bank's official branch locator page.
Branch address & contact
HDFC BankMiran Sahib Branch
HDFC BANK LTD MAIN CHOWK MIRAN SAHIB ADJACENT TO CANARA BANK JAMMU JAMMU AND KASHMIR 181101
Jammu, Jammu and Kashmir
Phone: 1860-2676161
IFSC: HDFC0009649
Frequently asked questions
Can I use IFSC HDFC0009649 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0009649 to send funds instantly.
Does HDFC Bank Miran Sahib branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2676161 to confirm.
Is IFSC HDFC0009649 the same for all accounts at Miran Sahib branch?
Yes. The IFSC HDFC0009649 is shared by every account held at HDFC Bank's Miran Sahib branch. Only the account number changes from customer to customer.
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 Miran Sahib branch but serve different purposes.
What is the IFSC code of HDFC Bank Miran Sahib branch?
The IFSC code of HDFC Bank, Miran Sahib branch is HDFC0009649. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add HDFC Bank Miran Sahib as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0009649, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank Miran Sahib branch located?
HDFC Bank's Miran Sahib branch is located at HDFC BANK LTD MAIN CHOWK MIRAN SAHIB ADJACENT TO CANARA BANK JAMMU JAMMU AND KASHMIR 181101, Jammu, Jammu and Kashmir.
Is IFSC HDFC0009649 valid for NEFT and RTGS?
Yes. IFSC HDFC0009649 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: HDFC0009649 is the IFSC code of HDFC Bank, MIRAN SAHIB 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.
