Use this page as a one-stop reference for everything related to HDFC Bank's LAKHARA branch in LAKHARA, ASSAM. The branch's IFSC code HDFC0007287 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, HDFC0007287 is the IFSC of HDFC Bank's LAKHARA branch. The format is fixed: HDFC = bank code, 0 = reserved, 007287 = branch identifier.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lakhara branch in Lakhara, Assam is part of this network and uses the IFSC code HDFC0007287 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Lakhara |
| IFSC Code | HDFC0007287 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR NH 37 OPP SARU SAJAI STADIUM LAKHARA GUWAHATI LAKHARA ASSAM 781034 |
| City | Lakhara |
| District | Kamrup Metropolitan |
| State | Assam |
| STD Code | 1800 |
| Phone | 2026161 |
Lakhara branch overview
Located at GRD FLOOR NH 37 OPP SARU SAJAI STADIUM LAKHARA GUWAHATI LAKHARA ASSAM 781034, the Lakhara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0007287 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 LAKHARA branch came to be assigned the code HDFC0007287.
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 HDFC0007287, money simply cannot be routed to the LAKHARA branch electronically.
Products and account variants supported
Every account opened at the Lakhara branch is mapped to IFSC HDFC0007287 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 HDFC0007287.
Banking services available
The Lakhara 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 HDFC0007287
How to transfer money using IFSC HDFC0007287
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 HDFC0007287 across all three.
How to use IFSC HDFC0007287 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's LAKHARA 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 HDFC0007287.
- Confirm the bank name auto-populates as HDFC Bank and the branch as LAKHARA.
- 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 LAKHARA
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's LAKHARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007287 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 – LAKHARA, use IMPS. With IFSC HDFC0007287 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 HDFC0007287 for HDFC Bank – LAKHARA, 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 – HDFC0007287 | Yes – HDFC0007287 | Yes – HDFC0007287 |
For most retail customers crediting the Lakhara 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 HDFC0007287
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 – LAKHARA is still mapped to IFSC HDFC0007287. 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 HDFC0007287 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0007287
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the LAKHARA 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 HDFC0007287 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 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 HDFC0007287 and the account number together uniquely identify the Lakhara 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 HDFC0007287
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 – LAKHARA, 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:
HDFC0007287. - 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 Lakhara branch
The branch is located at GRD FLOOR NH 37 OPP SARU SAJAI STADIUM LAKHARA GUWAHATI LAKHARA ASSAM 781034, which puts it inside Lakhara, the broader Kamrup Metropolitan district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Lakhara branch” — the verified location pin for IFSC HDFC0007287 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 HDFC0007287 and your account number.
Verifying IFSC HDFC0007287 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 HDFC0007287 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- 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 Lakhara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0007287, however, work 24x7.
Branch address & contact
HDFC BankLakhara Branch
GRD FLOOR NH 37 OPP SARU SAJAI STADIUM LAKHARA GUWAHATI LAKHARA ASSAM 781034
Lakhara, Assam
Phone: 1800-2026161
IFSC: HDFC0007287
Frequently asked questions
What is the IFSC code of HDFC Bank Lakhara branch?
The IFSC code of HDFC Bank, Lakhara branch is HDFC0007287. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HDFC0007287 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Lakhara reflect within 30 minutes.
What is the phone number of HDFC Bank Lakhara branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Where is HDFC Bank Lakhara branch located?
HDFC Bank's Lakhara branch is located at GRD FLOOR NH 37 OPP SARU SAJAI STADIUM LAKHARA GUWAHATI LAKHARA ASSAM 781034, Lakhara, Assam.
Is IFSC HDFC0007287 valid for NEFT and RTGS?
Yes. IFSC HDFC0007287 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Lakhara branch but serve different purposes.
Does HDFC Bank Lakhara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
Is IFSC HDFC0007287 the same for all accounts at Lakhara branch?
Yes. The IFSC HDFC0007287 is shared by every account held at HDFC Bank's Lakhara branch. Only the account number changes from customer to customer.
Summary
The IFSC code HDFC0007287 belongs to HDFC Bank's LAKHARA branch, located at GRD FLOOR NH 37 OPP SARU SAJAI STADIUM LAKHARA GUWAHATI LAKHARA ASSAM 781034 in LAKHARA, ASSAM. 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.
