This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, RAM NAGAR KARNAL branch in KARNAL. The 11-digit IFSC HDFC0003989 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the RAM NAGAR KARNAL location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 RAM NAGAR KARNAL branch, the IFSC HDFC0003989 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003989 identifies this particular branch.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Ram Nagar Karnal branch in Karnal. 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, HDFC0003989.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Ram Nagar Karnal |
| IFSC Code | HDFC0003989 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD 95 8 RAM NAGAR KARNAL HARYANA132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 9996243333 |
About this branch
The branch is located at HDFC BANK LTD 95 8 RAM NAGAR KARNAL HARYANA132001. It serves the Karnal region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of HDFC Bank. The IFSC HDFC0003989 is used to identify this branch on the RBI payments network.
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 RAM NAGAR KARNAL of HDFC Bank — its own 11-character IFSC. The code HDFC0003989 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 HDFC0003989 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Ram Nagar Karnal branch
Once you have an account at HDFC Bank – RAM NAGAR KARNAL, the IFSC HDFC0003989 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 Ram Nagar Karnal 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 HDFC0003989
How to transfer money using IFSC HDFC0003989
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 HDFC0003989 across all three.
How to use IFSC HDFC0003989 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's RAM NAGAR KARNAL 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 HDFC0003989.
- Confirm the bank name auto-populates as HDFC Bank and the branch as RAM NAGAR KARNAL.
- 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 RAM NAGAR KARNAL
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's RAM NAGAR KARNAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003989 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank RAM NAGAR KARNAL (IFSC HDFC0003989)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003989 in your mobile or internet banking app, and the money is credited to the RAM NAGAR KARNAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0003989 for HDFC Bank – RAM NAGAR KARNAL, 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 – HDFC0003989 | Yes – HDFC0003989 | Yes – HDFC0003989 |
For most retail customers crediting the Ram Nagar Karnal 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 RAM NAGAR KARNAL branch, the IFSC HDFC0003989 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 HDFC0003989
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the RAM NAGAR KARNAL 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 HDFC0003989 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 & cheque-truncation details
Cheques drawn on the Ram Nagar Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003989 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0003989
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 – RAM NAGAR KARNAL, 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:
HDFC0003989. - 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.
How to reach the Ram Nagar Karnal branch
The branch is located at HDFC BANK LTD 95 8 RAM NAGAR KARNAL HARYANA132001, 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 Ram Nagar Karnal branch” — the verified location pin for IFSC HDFC0003989 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 HDFC0003989 and your account number.
Verifying IFSC HDFC0003989 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 HDFC0003989 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9996243333.
- Visiting the bank's official branch locator page.
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 Ram Nagar Karnal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003989, however, work 24x7.
Branch address & contact
HDFC BankRam Nagar Karnal Branch
HDFC BANK LTD 95 8 RAM NAGAR KARNAL HARYANA132001
Karnal, Haryana
Phone: 91-9996243333
IFSC: HDFC0003989
Frequently asked questions
What is the phone number of HDFC Bank Ram Nagar Karnal branch?
You can reach the branch at 91-9996243333 during regular banking hours.
Is IFSC HDFC0003989 valid for NEFT and RTGS?
Yes. IFSC HDFC0003989 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Ram Nagar Karnal branch?
The IFSC code of HDFC Bank, Ram Nagar Karnal branch is HDFC0003989. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC HDFC0003989 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003989 to send funds instantly.
How quickly will an NEFT transfer using HDFC0003989 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Ram Nagar Karnal reflect within 30 minutes.
Does HDFC Bank Ram Nagar Karnal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9996243333 to confirm.
Is IFSC HDFC0003989 the same for all accounts at Ram Nagar Karnal branch?
Yes. The IFSC HDFC0003989 is shared by every account held at HDFC Bank's Ram Nagar Karnal branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Ram Nagar Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003989, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: HDFC0003989 is the IFSC code of HDFC Bank, RAM NAGAR KARNAL branch, in KARNAL, HARYANA. 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.
