Below are the complete branch details for HDFC Bank, SUBASH NAGAR branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0004640. 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 HDFC0004640 for HDFC Bank – SUBASH NAGAR — 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, HDFC0004640 is the IFSC of HDFC Bank's SUBASH NAGAR branch. The format is fixed: HDFC = bank code, 0 = reserved, 004640 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Subash Nagar |
| IFSC Code | HDFC0004640 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND AND BASEMENT FLOOR OPP ELLAQUAI DEHATI BANK SUBASH NAGAR JAMMU JAMMU AND KASHMIR 180005 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 1860 |
| Phone | 2676161 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Subash Nagar branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code HDFC0004640 for all electronic settlement.
Subash Nagar branch overview
Located at GROUND AND BASEMENT FLOOR OPP ELLAQUAI DEHATI BANK SUBASH NAGAR JAMMU JAMMU AND KASHMIR 180005, the Subash Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0004640 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 SUBASH NAGAR of HDFC Bank — its own 11-character IFSC. The code HDFC0004640 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 HDFC0004640 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC HDFC0004640
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 HDFC0004640 across all three.
How to use IFSC HDFC0004640 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's SUBASH NAGAR 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 HDFC0004640.
- Confirm the bank name auto-populates as HDFC Bank and the branch as SUBASH NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0004640
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 – SUBASH NAGAR, ensure your bank's portal accepts IFSC HDFC0004640 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – SUBASH NAGAR, use IMPS. With IFSC HDFC0004640 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004640 for HDFC Bank – SUBASH NAGAR, 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 – HDFC0004640 | Yes – HDFC0004640 | Yes – HDFC0004640 |
For most retail customers crediting the Subash Nagar 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.
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 SUBASH NAGAR branch, the IFSC HDFC0004640 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.
Account types you can open at the Subash Nagar branch
Once you have an account at HDFC Bank – SUBASH NAGAR, the IFSC HDFC0004640 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 Subash Nagar 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 HDFC0004640
MICR & cheque-truncation details
Cheques drawn on the Subash Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004640 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Subash Nagar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC HDFC0004640 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – SUBASH NAGAR:
- The IFSC is exactly HDFC0004640 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 SUBASH NAGAR 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.
Reaching the branch
The Subash Nagar branch sits at GROUND AND BASEMENT FLOOR OPP ELLAQUAI DEHATI BANK SUBASH NAGAR JAMMU JAMMU AND KASHMIR 180005. 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 HDFC0004640 and your account number.
Verifying IFSC HDFC0004640 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 HDFC0004640 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.
Working hours
Branch counters at Subash Nagar 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 HDFC0004640 continue to work without interruption.
Branch address & contact
HDFC BankSubash Nagar Branch
GROUND AND BASEMENT FLOOR OPP ELLAQUAI DEHATI BANK SUBASH NAGAR JAMMU JAMMU AND KASHMIR 180005
Jammu, Jammu and Kashmir
Phone: 1860-2676161
IFSC: HDFC0004640
Frequently asked questions
How do I add HDFC Bank Subash Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004640, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Subash Nagar branch but serve different purposes.
What is the phone number of HDFC Bank Subash Nagar branch?
You can reach the branch at 1860-2676161 during regular banking hours.
What is the IFSC code of HDFC Bank Subash Nagar branch?
The IFSC code of HDFC Bank, Subash Nagar branch is HDFC0004640. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HDFC0004640 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Subash Nagar reflect within 30 minutes.
Where is HDFC Bank Subash Nagar branch located?
HDFC Bank's Subash Nagar branch is located at GROUND AND BASEMENT FLOOR OPP ELLAQUAI DEHATI BANK SUBASH NAGAR JAMMU JAMMU AND KASHMIR 180005, Jammu, Jammu and Kashmir.
Can I use IFSC HDFC0004640 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0004640 to send funds instantly.
Final notes
To recap: HDFC0004640 is the IFSC code of HDFC Bank, SUBASH NAGAR 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.
