Use this page as a one-stop reference for everything related to HDFC Bank's NARWAL BACKOFFICE AND TRAINING CENTER branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code HDFC0004652 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, HDFC0004652 is the IFSC of HDFC Bank's NARWAL BACKOFFICE AND TRAINING CENTER branch. The format is fixed: HDFC = bank code, 0 = reserved, 004652 = branch identifier.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Narwal Backoffice and Training Center branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code HDFC0004652 for all electronic settlement.
About this branch
The branch is located at HDFC BANK LTD KASHMIR AUTO AIDS SITE NO 1 TRANSPORT NAGAR NARWAL JAMMU JAMMU AND KASHMIR180005. 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 HDFC0004652 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Narwal Backoffice and Training Center |
| IFSC Code | HDFC0004652 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD KASHMIR AUTO AIDS SITE NO 1 TRANSPORT NAGAR NARWAL JAMMU JAMMU AND KASHMIR180005 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 1800 |
| Phone | 1804333 |
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 NARWAL BACKOFFICE AND TRAINING CENTER of HDFC Bank — its own 11-character IFSC. The code HDFC0004652 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 HDFC0004652 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Narwal Backoffice and Training Center branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004652 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 HDFC0004652
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 HDFC0004652 across all three.
How to use IFSC HDFC0004652 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's NARWAL BACKOFFICE AND TRAINING CENTER 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 HDFC0004652.
- Confirm the bank name auto-populates as HDFC Bank and the branch as NARWAL BACKOFFICE AND TRAINING CENTER.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0004652
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 – NARWAL BACKOFFICE AND TRAINING CENTER, ensure your bank's portal accepts IFSC HDFC0004652 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank NARWAL BACKOFFICE AND TRAINING CENTER (IFSC HDFC0004652)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004652 in your mobile or internet banking app, and the money is credited to the NARWAL BACKOFFICE AND TRAINING CENTER branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004652 for HDFC Bank – NARWAL BACKOFFICE AND TRAINING CENTER, 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 – HDFC0004652 | Yes – HDFC0004652 | Yes – HDFC0004652 |
For most retail customers crediting the Narwal Backoffice and Training Center 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 HDFC0004652
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 – NARWAL BACKOFFICE AND TRAINING CENTER is still mapped to IFSC HDFC0004652. 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 HDFC0004652 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Narwal Backoffice and Training Center branch is mapped to IFSC HDFC0004652 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 HDFC0004652.
Products and services
Customers walking into the Narwal Backoffice and Training Center 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 HDFC0004652
Online banking and IFSC HDFC0004652
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the NARWAL BACKOFFICE AND TRAINING CENTER 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 HDFC0004652 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.
How to reach the Narwal Backoffice and Training Center branch
The branch is located at HDFC BANK LTD KASHMIR AUTO AIDS SITE NO 1 TRANSPORT NAGAR NARWAL JAMMU JAMMU AND KASHMIR180005, 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 Narwal Backoffice and Training Center branch” — the verified location pin for IFSC HDFC0004652 should appear at the top of the results.
- Confirm the branch is open by calling 1800-1804333 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 HDFC0004652 and your account number.
Common mistakes to avoid when using IFSC HDFC0004652
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 – NARWAL BACKOFFICE AND TRAINING CENTER, 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:
HDFC0004652. - 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 Narwal Backoffice and Training Center branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0004652, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0004652 for HDFC Bank – NARWAL BACKOFFICE AND TRAINING CENTER, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
HDFC BankNarwal Backoffice and Training Center Branch
HDFC BANK LTD KASHMIR AUTO AIDS SITE NO 1 TRANSPORT NAGAR NARWAL JAMMU JAMMU AND KASHMIR180005
Jammu, Jammu and Kashmir
Phone: 1800-1804333
IFSC: HDFC0004652
Frequently asked questions
Where is HDFC Bank Narwal Backoffice and Training Center branch located?
HDFC Bank's Narwal Backoffice and Training Center branch is located at HDFC BANK LTD KASHMIR AUTO AIDS SITE NO 1 TRANSPORT NAGAR NARWAL JAMMU JAMMU AND KASHMIR180005, Jammu, Jammu and Kashmir.
Can I use IFSC HDFC0004652 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0004652 to send funds instantly.
How do I add HDFC Bank Narwal Backoffice and Training Center as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004652, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Narwal Backoffice and Training Center branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-1804333 to confirm.
Is IFSC HDFC0004652 valid for NEFT and RTGS?
Yes. IFSC HDFC0004652 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Narwal Backoffice and Training Center branch but serve different purposes.
What is the IFSC code of HDFC Bank Narwal Backoffice and Training Center branch?
The IFSC code of HDFC Bank, Narwal Backoffice and Training Center branch is HDFC0004652. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HDFC0004652 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Narwal Backoffice and Training Center reflect within 30 minutes.
Final notes
To recap: HDFC0004652 is the IFSC code of HDFC Bank, NARWAL BACKOFFICE AND TRAINING CENTER 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.
