Use this page as a one-stop reference for everything related to HDFC Bank's JOWAI branch in JOWAI, MEGHALAYA. The branch's IFSC code HDFC0001812 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.
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 – JOWAI is HDFC0001812. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001812 map to this branch in JOWAI, MEGHALAYA.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Jowai |
| IFSC Code | HDFC0001812 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTDP.B.BUILDING, LOOM-SOO-IUNGNEW HILL, |
| City | Jowai |
| District | Jaintia Hills |
| State | Meghalaya |
| STD Code | 91 |
| Phone | 8003453333 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Jowai branch in Jowai. 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, HDFC0001812.
About the Jowai branch
The Jowai branch of HDFC Bank is situated at HDFC BANK LTDP.B.BUILDING, LOOM-SOO-IUNGNEW HILL,. 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 HDFC0001812 is used.
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 JOWAI branch came to be assigned the code HDFC0001812.
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 HDFC0001812, money simply cannot be routed to the JOWAI branch electronically.
How to transfer money using IFSC HDFC0001812
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 HDFC0001812 across all three.
NEFT to HDFC Bank, JOWAI using IFSC HDFC0001812
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 HDFC0001812, and confirm that the system picks up HDFC Bank – JOWAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JOWAI
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's JOWAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0001812 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 – JOWAI, use IMPS. With IFSC HDFC0001812 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 Jowai
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 HDFC0001812:
- 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 JOWAI is still linked to IFSC HDFC0001812.
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 HDFC0001812
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 – JOWAI is still mapped to IFSC HDFC0001812. 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 HDFC0001812 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jowai branch is mapped to IFSC HDFC0001812 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 HDFC0001812.
Banking services available
The Jowai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8003453333.
- 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 HDFC0001812
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 HDFC0001812 and the account number together uniquely identify the Jowai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC HDFC0001812
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the JOWAI 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 HDFC0001812 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.
Common mistakes to avoid when using IFSC HDFC0001812
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 – JOWAI, 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:
HDFC0001812. - 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.
Reaching the branch
The Jowai branch sits at HDFC BANK LTDP.B.BUILDING, LOOM-SOO-IUNGNEW HILL,. If you are travelling from outside Jowai, search for the branch on a maps application using the bank name and locality, or call 91-8003453333 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 HDFC0001812 and your account number.
Verifying IFSC HDFC0001812 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 HDFC0001812 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8003453333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jowai 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 HDFC0001812 continue to work without interruption.
Branch address & contact
HDFC BankJowai Branch
HDFC BANK LTDP.B.BUILDING, LOOM-SOO-IUNGNEW HILL,
Jowai, Meghalaya
Phone: 91-8003453333
IFSC: HDFC0001812
Frequently asked questions
Is IFSC HDFC0001812 the same for all accounts at Jowai branch?
Yes. The IFSC HDFC0001812 is shared by every account held at HDFC Bank's Jowai branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Jowai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0001812, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Jowai branch?
The IFSC code of HDFC Bank, Jowai branch is HDFC0001812. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of HDFC Bank Jowai branch?
You can reach the branch at 91-8003453333 during regular banking hours.
How quickly will an NEFT transfer using HDFC0001812 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Jowai reflect within 30 minutes.
Can I use IFSC HDFC0001812 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001812 to send funds instantly.
Where is HDFC Bank Jowai branch located?
HDFC Bank's Jowai branch is located at HDFC BANK LTDP.B.BUILDING, LOOM-SOO-IUNGNEW HILL,, Jowai, Meghalaya.
Summary
The IFSC code HDFC0001812 belongs to HDFC Bank's JOWAI branch, located at HDFC BANK LTDP.B.BUILDING, LOOM-SOO-IUNGNEW HILL, in JOWAI, MEGHALAYA. 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.
