IFSC Code of HDFC Bank, Narwal, Jammu Branch, Jammu and Kashmir

Below are the complete branch details for HDFC Bank, NARWAL, JAMMU branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0002743. 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 HDFC0002743 for HDFC Bank – NARWAL, JAMMU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, HDFC0002743 is the IFSC of HDFC Bank's NARWAL, JAMMU branch. The format is fixed: HDFC = bank code, 0 = reserved, 002743 = 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, Jammu branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code HDFC0002743 for all electronic settlement.

Branch details at a glance

Narwal, Jammu branch overview

Located at HDFC BANK LTD., PLOT NO 9, 1ST FLOOR, TRANSPORT NAGAR, NARWAL, JAMMU JAMMU AND KASHMIR 180012, the Narwal, Jammu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0002743 is required for all interbank electronic transfers routed through this branch.

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, JAMMU of HDFC Bank — its own 11-character IFSC. The code HDFC0002743 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 HDFC0002743 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 Narwal, Jammu branch is mapped to IFSC HDFC0002743 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 HDFC0002743.

Products and services

Customers walking into the Narwal, Jammu 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 HDFC0002743

How to transfer money using IFSC HDFC0002743

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 HDFC0002743 across all three.

NEFT to HDFC Bank, NARWAL, JAMMU using IFSC HDFC0002743

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 HDFC0002743, and confirm that the system picks up HDFC Bank – NARWAL, JAMMU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NARWAL, JAMMU

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NARWAL, JAMMU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0002743 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – NARWAL, JAMMU, use IMPS. With IFSC HDFC0002743 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Narwal, Jammu

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 HDFC0002743:

• 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 NARWAL, JAMMU is still linked to IFSC HDFC0002743.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's NARWAL, JAMMU branch, the IFSC HDFC0002743 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC HDFC0002743

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the NARWAL, JAMMU 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 HDFC0002743 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 HDFC0002743 and the account number together uniquely identify the Narwal, Jammu 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 – NARWAL, JAMMU:

• The IFSC is exactly HDFC0002743 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 NARWAL, JAMMU 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 Narwal, Jammu branch

The branch is located at HDFC BANK LTD., PLOT NO 9, 1ST FLOOR, TRANSPORT NAGAR, NARWAL, JAMMU JAMMU AND KASHMIR 180012, which puts it inside Jammu, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Narwal, Jammu branch” — the verified location pin for IFSC HDFC0002743 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8001804333 before stepping out, especially around public holidays.
3. 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 HDFC0002743 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0002743 for HDFC Bank – NARWAL, JAMMU, 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 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, Jammu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002743, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0002743 belongs to HDFC Bank's NARWAL, JAMMU branch, located at HDFC BANK LTD., PLOT NO 9, 1ST FLOOR, TRANSPORT NAGAR, NARWAL, JAMMU JAMMU AND… 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.