Below are the complete branch details for HDFC Bank, SURYA ENCLAVE KHARAR branch, located in KHARAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0007986. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0007986 for HDFC Bank – SURYA ENCLAVE KHARAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 SURYA ENCLAVE KHARAR branch, the IFSC HDFC0007986 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 007986 identifies this particular branch.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surya Enclave Kharar branch in Kharar, Punjab is part of this network and uses the IFSC code HDFC0007986 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Surya Enclave Kharar |
| IFSC Code | HDFC0007986 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BASEMENT AND GRD FLOOR SCO 6 SURYA ENCLAVE SANTE MAJRA KHARAR MOHALI DIST S A S NAGAR KHARAR PUNJAB 140307 |
| City | Kharar |
| District | Sahibzada Ajit Singh Nagar |
| State | Punjab |
| STD Code | 1800 |
| Phone | 2026161 |
About the Surya Enclave Kharar branch
The Surya Enclave Kharar branch of HDFC Bank is situated at BASEMENT AND GRD FLOOR SCO 6 SURYA ENCLAVE SANTE MAJRA KHARAR MOHALI DIST S A S NAGAR KHARAR PUNJAB 140307. 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 HDFC0007986 is used.
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 SURYA ENCLAVE KHARAR of HDFC Bank — its own 11-character IFSC. The code HDFC0007986 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 HDFC0007986 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Surya Enclave Kharar branch is mapped to IFSC HDFC0007986 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 HDFC0007986.
Banking services available
The Surya Enclave Kharar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2026161.
- 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 HDFC0007986
How to transfer money using IFSC HDFC0007986
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 HDFC0007986 across all three.
NEFT to HDFC Bank, SURYA ENCLAVE KHARAR using IFSC HDFC0007986
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 HDFC0007986, and confirm that the system picks up HDFC Bank – SURYA ENCLAVE KHARAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SURYA ENCLAVE KHARAR
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's SURYA ENCLAVE KHARAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007986 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank SURYA ENCLAVE KHARAR (IFSC HDFC0007986)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0007986 in your mobile or internet banking app, and the money is credited to the SURYA ENCLAVE KHARAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0007986 for HDFC Bank – SURYA ENCLAVE KHARAR, 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 – HDFC0007986 | Yes – HDFC0007986 | Yes – HDFC0007986 |
For most retail customers crediting the Surya Enclave Kharar 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 SURYA ENCLAVE KHARAR branch, the IFSC HDFC0007986 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 Surya Enclave Kharar 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 HDFC0007986 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 HDFC0007986 and the account number together uniquely identify the Surya Enclave Kharar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC HDFC0007986
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 – SURYA ENCLAVE KHARAR, 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:
HDFC0007986. - 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 Surya Enclave Kharar branch
The branch is located at BASEMENT AND GRD FLOOR SCO 6 SURYA ENCLAVE SANTE MAJRA KHARAR MOHALI DIST S A S NAGAR KHARAR PUNJAB 140307, which puts it inside Kharar, the broader Sahibzada Ajit Singh Nagar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Surya Enclave Kharar branch” — the verified location pin for IFSC HDFC0007986 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 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 HDFC0007986 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0007986 for HDFC Bank – SURYA ENCLAVE KHARAR, 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 Surya Enclave Kharar 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 HDFC0007986 continue to work without interruption.
Branch address & contact
HDFC BankSurya Enclave Kharar Branch
BASEMENT AND GRD FLOOR SCO 6 SURYA ENCLAVE SANTE MAJRA KHARAR MOHALI DIST S A S NAGAR KHARAR PUNJAB 140307
Kharar, Punjab
Phone: 1800-2026161
IFSC: HDFC0007986
Frequently asked questions
How do I add HDFC Bank Surya Enclave Kharar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007986, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HDFC0007986 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0007986 to send funds instantly.
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 Surya Enclave Kharar branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0007986 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Surya Enclave Kharar reflect within 30 minutes.
Is IFSC HDFC0007986 the same for all accounts at Surya Enclave Kharar branch?
Yes. The IFSC HDFC0007986 is shared by every account held at HDFC Bank's Surya Enclave Kharar branch. Only the account number changes from customer to customer.
Where is HDFC Bank Surya Enclave Kharar branch located?
HDFC Bank's Surya Enclave Kharar branch is located at BASEMENT AND GRD FLOOR SCO 6 SURYA ENCLAVE SANTE MAJRA KHARAR MOHALI DIST S A S NAGAR KHARAR PUNJAB 140307, Kharar, Punjab.
Is IFSC HDFC0007986 valid for NEFT and RTGS?
Yes. IFSC HDFC0007986 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of HDFC Bank Surya Enclave Kharar branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Summary
The IFSC code HDFC0007986 belongs to HDFC Bank's SURYA ENCLAVE KHARAR branch, located at BASEMENT AND GRD FLOOR SCO 6 SURYA ENCLAVE SANTE MAJRA KHARAR MOHALI DIST S A… in KHARAR, PUNJAB. 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.
