If you are searching for the IFSC code of HDFC Bank, KHARAR - PUNJAB branch in KHARAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is HDFC0000812. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KHARAR - PUNJAB branch, and detailed step-by-step guides for using the IFSC HDFC0000812 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – KHARAR - PUNJAB is HDFC0000812. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000812 map to this branch in KHARAR, PUNJAB.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Kharar - Punjab branch in Kharar. 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, HDFC0000812.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Kharar - Punjab |
| IFSC Code | HDFC0000812 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PROPERTY NO 4053,54,55, KHARAR LANDRAN ROAD, KHARAR, DISTT-SAS NAGAR KHARAR PUNJAB 140301 |
| City | Kharar |
| District | Rupnagar |
| State | Punjab |
| STD Code | 91 |
| Phone | 9815331111 |
About the Kharar - Punjab branch
The Kharar - Punjab branch of HDFC Bank is situated at PROPERTY NO 4053,54,55, KHARAR LANDRAN ROAD, KHARAR, DISTT-SAS NAGAR KHARAR PUNJAB 140301. 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 HDFC0000812 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 KHARAR - PUNJAB branch came to be assigned the code HDFC0000812.
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 HDFC0000812, money simply cannot be routed to the KHARAR - PUNJAB branch electronically.
Products and account variants supported
Every account opened at the Kharar - Punjab branch is mapped to IFSC HDFC0000812 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 HDFC0000812.
Products and services
Customers walking into the Kharar - Punjab 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 HDFC0000812
How to transfer money using IFSC HDFC0000812
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 HDFC0000812 across all three.
How to use IFSC HDFC0000812 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's KHARAR - PUNJAB 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 HDFC0000812.
- Confirm the bank name auto-populates as HDFC Bank and the branch as KHARAR - PUNJAB.
- 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 KHARAR - PUNJAB
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's KHARAR - PUNJAB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0000812 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank KHARAR - PUNJAB (IFSC HDFC0000812)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000812 in your mobile or internet banking app, and the money is credited to the KHARAR - PUNJAB branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0000812 for HDFC Bank – KHARAR - PUNJAB, 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 – HDFC0000812 | Yes – HDFC0000812 | Yes – HDFC0000812 |
For most retail customers crediting the Kharar - Punjab 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 KHARAR - PUNJAB branch, the IFSC HDFC0000812 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kharar - Punjab 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 HDFC0000812 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.
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 HDFC0000812 and the account number together uniquely identify the Kharar - Punjab branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KHARAR - PUNJAB:
- The IFSC is exactly HDFC0000812 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 KHARAR - PUNJAB 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 Kharar - Punjab branch sits at PROPERTY NO 4053,54,55, KHARAR LANDRAN ROAD, KHARAR, DISTT-SAS NAGAR KHARAR PUNJAB 140301. If you are travelling from outside Kharar, search for the branch on a maps application using the bank name and locality, or call 91-9815331111 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 HDFC0000812 and your account number.
Verifying IFSC HDFC0000812 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 HDFC0000812 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9815331111.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kharar - Punjab 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 HDFC0000812 continue to work without interruption.
Branch address & contact
HDFC BankKharar - Punjab Branch
PROPERTY NO 4053,54,55, KHARAR LANDRAN ROAD, KHARAR, DISTT-SAS NAGAR KHARAR PUNJAB 140301
Kharar, Punjab
Phone: 91-9815331111
IFSC: HDFC0000812
Frequently asked questions
Is IFSC HDFC0000812 valid for NEFT and RTGS?
Yes. IFSC HDFC0000812 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Kharar - Punjab branch?
The IFSC code of HDFC Bank, Kharar - Punjab branch is HDFC0000812. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add HDFC Bank Kharar - Punjab as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000812, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0000812 the same for all accounts at Kharar - Punjab branch?
Yes. The IFSC HDFC0000812 is shared by every account held at HDFC Bank's Kharar - Punjab branch. Only the account number changes from customer to customer.
Can I use IFSC HDFC0000812 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0000812 to send funds instantly.
How quickly will an NEFT transfer using HDFC0000812 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Kharar - Punjab reflect within 30 minutes.
Final notes
To recap: HDFC0000812 is the IFSC code of HDFC Bank, KHARAR - PUNJAB branch, in KHARAR, PUNJAB. 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.
