IFSC Code of HDFC Bank, Jawahar Nagar Branch, Kerala

Use this page as a one-stop reference for everything related to HDFC Bank's JAWAHAR NAGAR branch in KOCHI, KERALA. The branch's IFSC code HDFC0004004 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 – JAWAHAR NAGAR is HDFC0004004. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004004 map to this branch in KOCHI, KERALA.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Jawahar Nagar branch in Kochi. 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, HDFC0004004.

Branch details at a glance

Jawahar Nagar branch overview

Located at HDFC BANK LTD NEW BUILDING SUBASH CHANDRA BOSE ROAD JAWAHAR NAGAR KOCHI KERALA 682019, the Jawahar Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0004004 is required for all interbank electronic transfers routed through this branch.

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 JAWAHAR NAGAR branch came to be assigned the code HDFC0004004.

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 HDFC0004004, money simply cannot be routed to the JAWAHAR NAGAR branch electronically.

Account types you can open at the Jawahar Nagar branch

Once you have an account at HDFC Bank – JAWAHAR NAGAR, the IFSC HDFC0004004 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 Jawahar Nagar 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 HDFC0004004

How to transfer money using IFSC HDFC0004004

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 HDFC0004004 across all three.

NEFT to HDFC Bank, JAWAHAR NAGAR using IFSC HDFC0004004

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 HDFC0004004, and confirm that the system picks up HDFC Bank – JAWAHAR NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAWAHAR NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's JAWAHAR NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0004004 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank JAWAHAR NAGAR (IFSC HDFC0004004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004004 in your mobile or internet banking app, and the money is credited to the JAWAHAR NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jawahar Nagar

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 HDFC0004004:

• 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 JAWAHAR NAGAR is still linked to IFSC HDFC0004004.

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 HDFC0004004

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 – JAWAHAR NAGAR is still mapped to IFSC HDFC0004004. 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 HDFC0004004 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0004004

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the JAWAHAR NAGAR 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 HDFC0004004 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 Jawahar Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – JAWAHAR NAGAR:

• The IFSC is exactly HDFC0004004 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 JAWAHAR NAGAR 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.

How to reach the Jawahar Nagar branch

The branch is located at HDFC BANK LTD NEW BUILDING SUBASH CHANDRA BOSE ROAD JAWAHAR NAGAR KOCHI KERALA 682019, which puts it inside Kochi, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Jawahar Nagar branch” — the verified location pin for IFSC HDFC0004004 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9895663333 before stepping out, especially around public holidays.
3. 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 HDFC0004004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0004004 for HDFC Bank – JAWAHAR NAGAR, 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 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 Jawahar Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0004004, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0004004 belongs to HDFC Bank's JAWAHAR NAGAR branch, located at HDFC BANK LTD NEW BUILDING SUBASH CHANDRA BOSE ROAD JAWAHAR NAGAR KOCHI KERALA… in KOCHI, KERALA. 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.