IFSC Code of HDFC Bank, Jodhpur Nagrik Sahakari Bank Ltd Branch, Rajasthan

Use this page as a one-stop reference for everything related to HDFC Bank's JODHPUR NAGRIK SAHAKARI BANK LTD branch in JODHPUR, RAJASTHAN. The branch's IFSC code HDFC0CJNB04 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For HDFC Bank's JODHPUR NAGRIK SAHAKARI BANK LTD branch, the IFSC HDFC0CJNB04 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CJNB04 identifies this particular branch.

Branch details at a glance

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Jodhpur Nagrik Sahakari Bank Ltd branch in Jodhpur. 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, HDFC0CJNB04.

Jodhpur Nagrik Sahakari Bank Ltd branch overview

Located at JETARAN KI HAVELI, CITY POLICE, JODHPUR, the Jodhpur Nagrik Sahakari Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0CJNB04 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 JODHPUR NAGRIK SAHAKARI BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CJNB04 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 HDFC0CJNB04 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 HDFC0CJNB04

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 HDFC0CJNB04 across all three.

NEFT to HDFC Bank, JODHPUR NAGRIK SAHAKARI BANK LTD using IFSC HDFC0CJNB04

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 HDFC0CJNB04, and confirm that the system picks up HDFC Bank – JODHPUR NAGRIK SAHAKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0CJNB04

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 – JODHPUR NAGRIK SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC HDFC0CJNB04 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – JODHPUR NAGRIK SAHAKARI BANK LTD, use IMPS. With IFSC HDFC0CJNB04 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 HDFC0CJNB04 for HDFC Bank – JODHPUR NAGRIK SAHAKARI BANK LTD, 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.

For most retail customers crediting the Jodhpur Nagrik Sahakari Bank Ltd 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 HDFC0CJNB04

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 – JODHPUR NAGRIK SAHAKARI BANK LTD is still mapped to IFSC HDFC0CJNB04. 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 HDFC0CJNB04 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jodhpur Nagrik Sahakari Bank Ltd branch is mapped to IFSC HDFC0CJNB04 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 HDFC0CJNB04.

Products and services

Customers walking into the Jodhpur Nagrik Sahakari Bank Ltd 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 HDFC0CJNB04

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 HDFC0CJNB04 and the account number together uniquely identify the Jodhpur Nagrik Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0CJNB04

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the JODHPUR NAGRIK SAHAKARI BANK LTD 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 HDFC0CJNB04 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.

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 – JODHPUR NAGRIK SAHAKARI BANK LTD:

• The IFSC is exactly HDFC0CJNB04 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 JODHPUR NAGRIK SAHAKARI BANK LTD 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 Jodhpur Nagrik Sahakari Bank Ltd branch sits at JETARAN KI HAVELI, CITY POLICE, JODHPUR. If you are travelling from outside Jodhpur, search for the branch on a maps application using the bank name and locality, or call 291-2635567 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 HDFC0CJNB04 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CJNB04 for HDFC Bank – JODHPUR NAGRIK SAHAKARI BANK LTD, 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.

Working hours

Branch counters at Jodhpur Nagrik Sahakari Bank Ltd 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 HDFC0CJNB04 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CJNB04 belongs to HDFC Bank's JODHPUR NAGRIK SAHAKARI BANK LTD branch, located at JETARAN KI HAVELI, CITY POLICE, JODHPUR in JODHPUR, RAJASTHAN. 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.