Below are the complete branch details for HDFC Bank, LALRU branch, located in LALRU, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0002989. 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 HDFC0002989 for HDFC Bank – LALRU — 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 LALRU branch, the IFSC HDFC0002989 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 002989 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 Lalru branch in Lalru, Punjab is part of this network and uses the IFSC code HDFC0002989 for all electronic settlement.
About this branch
The branch is located at HDFC BANK LTD KHASRA NO 91/42, NEAR M C OFFICE, AMBALA-CHANDIGARH HIGHWAY, LALRU PUNJAB 140501. It serves the Lalru 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 HDFC0002989 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Lalru |
| IFSC Code | HDFC0002989 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD KHASRA NO 91/42, NEAR M C OFFICE, AMBALA-CHANDIGARH HIGHWAY, LALRU PUNJAB 140501 |
| City | Lalru |
| District | Patiala |
| State | Punjab |
| STD Code | 91 |
| Phone | 9815331111 |
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 LALRU branch came to be assigned the code HDFC0002989.
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 HDFC0002989, money simply cannot be routed to the LALRU branch electronically.
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 HDFC0002989 and the account number together uniquely identify the Lalru branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0002989
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 HDFC0002989 across all three.
How to use IFSC HDFC0002989 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's LALRU 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 HDFC0002989.
- Confirm the bank name auto-populates as HDFC Bank and the branch as LALRU.
- 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 LALRU
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's LALRU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0002989 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank LALRU (IFSC HDFC0002989)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0002989 in your mobile or internet banking app, and the money is credited to the LALRU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0002989 for HDFC Bank – LALRU, 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 – HDFC0002989 | Yes – HDFC0002989 | Yes – HDFC0002989 |
For most retail customers crediting the Lalru 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 LALRU branch, the IFSC HDFC0002989 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.
Products and account variants supported
Every account opened at the Lalru branch is mapped to IFSC HDFC0002989 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 HDFC0002989.
Banking services available
The Lalru branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9815331111.
- 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 HDFC0002989
Digital banking channels
Most day-to-day work that customers used to do at the Lalru 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 HDFC0002989 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.
Reaching the branch
The Lalru branch sits at HDFC BANK LTD KHASRA NO 91/42, NEAR M C OFFICE, AMBALA-CHANDIGARH HIGHWAY, LALRU PUNJAB 140501. If you are travelling from outside Lalru, 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 HDFC0002989 and your account number.
Common mistakes to avoid when using IFSC HDFC0002989
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 – LALRU, 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:
HDFC0002989. - 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.
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 Lalru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002989, however, work 24x7.
Verifying IFSC HDFC0002989 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 HDFC0002989 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.
Branch address & contact
HDFC BankLalru Branch
HDFC BANK LTD KHASRA NO 91/42, NEAR M C OFFICE, AMBALA-CHANDIGARH HIGHWAY, LALRU PUNJAB 140501
Lalru, Punjab
Phone: 91-9815331111
IFSC: HDFC0002989
Frequently asked questions
How do I add HDFC Bank Lalru as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002989, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0002989 the same for all accounts at Lalru branch?
Yes. The IFSC HDFC0002989 is shared by every account held at HDFC Bank's Lalru branch. Only the account number changes from customer to customer.
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 Lalru branch but serve different purposes.
Where is HDFC Bank Lalru branch located?
HDFC Bank's Lalru branch is located at HDFC BANK LTD KHASRA NO 91/42, NEAR M C OFFICE, AMBALA-CHANDIGARH HIGHWAY, LALRU PUNJAB 140501, Lalru, Punjab.
Does HDFC Bank Lalru branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9815331111 to confirm.
How quickly will an NEFT transfer using HDFC0002989 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Lalru reflect within 30 minutes.
Final notes
To recap: HDFC0002989 is the IFSC code of HDFC Bank, LALRU branch, in LALRU, 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.
