Use this page as a one-stop reference for everything related to HDFC Bank's PHOOSGARH branch in KARNAL, HARYANA. The branch's IFSC code HDFC0003242 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 PHOOSGARH branch, the IFSC HDFC0003242 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003242 identifies this particular branch.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Phoosgarh branch — IFSC HDFC0003242 — extends the bank's services to customers in and around Karnal, Haryana.
About the Phoosgarh branch
The Phoosgarh branch of HDFC Bank is situated at HDFC BANK LTD BPO PHOOSGHAR, DISTRICT KARNAL132001KARNAL HARYANA 132001. 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 HDFC0003242 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Phoosgarh |
| IFSC Code | HDFC0003242 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD BPO PHOOSGHAR, DISTRICT KARNAL132001KARNAL HARYANA 132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 9996243333 |
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 PHOOSGARH branch came to be assigned the code HDFC0003242.
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 HDFC0003242, money simply cannot be routed to the PHOOSGARH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Phoosgarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003242 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 HDFC0003242
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 HDFC0003242 across all three.
How to use IFSC HDFC0003242 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's PHOOSGARH 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 HDFC0003242.
- Confirm the bank name auto-populates as HDFC Bank and the branch as PHOOSGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to PHOOSGARH
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's PHOOSGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003242 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 – PHOOSGARH, use IMPS. With IFSC HDFC0003242 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 HDFC0003242 for HDFC Bank – PHOOSGARH, 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 – HDFC0003242 | Yes – HDFC0003242 | Yes – HDFC0003242 |
For most retail customers crediting the Phoosgarh 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 HDFC0003242
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 – PHOOSGARH is still mapped to IFSC HDFC0003242. 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 HDFC0003242 and the beneficiary's account number to complete the transfer.
Account types you can open at the Phoosgarh branch
Once you have an account at HDFC Bank – PHOOSGARH, the IFSC HDFC0003242 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.
Products and services
Customers walking into the Phoosgarh 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 HDFC0003242
Online banking and IFSC HDFC0003242
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the PHOOSGARH 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 HDFC0003242 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 Phoosgarh branch
The branch is located at HDFC BANK LTD BPO PHOOSGHAR, DISTRICT KARNAL132001KARNAL HARYANA 132001, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Phoosgarh branch” — the verified location pin for IFSC HDFC0003242 should appear at the top of the results.
- Confirm the branch is open by calling 91-9996243333 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 HDFC0003242 and your account number.
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 – PHOOSGARH:
- The IFSC is exactly HDFC0003242 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 PHOOSGARH 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.
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 Phoosgarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003242, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0003242 for HDFC Bank – PHOOSGARH, 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 BankPhoosgarh Branch
HDFC BANK LTD BPO PHOOSGHAR, DISTRICT KARNAL132001KARNAL HARYANA 132001
Karnal, Haryana
Phone: 91-9996243333
IFSC: HDFC0003242
Frequently asked questions
How do I add HDFC Bank Phoosgarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003242, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0003242 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Phoosgarh reflect within 30 minutes.
Is IFSC HDFC0003242 the same for all accounts at Phoosgarh branch?
Yes. The IFSC HDFC0003242 is shared by every account held at HDFC Bank's Phoosgarh branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Phoosgarh branch?
You can reach the branch at 91-9996243333 during regular banking hours.
Can I use IFSC HDFC0003242 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003242 to send funds instantly.
Is IFSC HDFC0003242 valid for NEFT and RTGS?
Yes. IFSC HDFC0003242 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Phoosgarh branch located?
HDFC Bank's Phoosgarh branch is located at HDFC BANK LTD BPO PHOOSGHAR, DISTRICT KARNAL132001KARNAL HARYANA 132001, Karnal, Haryana.
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 Phoosgarh branch but serve different purposes.
Summary
The IFSC code HDFC0003242 belongs to HDFC Bank's PHOOSGARH branch, located at HDFC BANK LTD BPO PHOOSGHAR, DISTRICT KARNAL132001KARNAL HARYANA 132001 in KARNAL, HARYANA. 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.
