IFSC Code of HDFC Bank, Dmch Tagore Nagar Ludhiana Branch, Punjab

Use this page as a one-stop reference for everything related to HDFC Bank's DMCH TAGORE NAGAR LUDHIANA branch in LUDHIANA, PUNJAB. The branch's IFSC code HDFC0009448 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, HDFC0009448 is the IFSC of HDFC Bank's DMCH TAGORE NAGAR LUDHIANA branch. The format is fixed: HDFC = bank code, 0 = reserved, 009448 = 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 Dmch Tagore Nagar Ludhiana branch in Ludhiana, Punjab is part of this network and uses the IFSC code HDFC0009448 for all electronic settlement.

About the Dmch Tagore Nagar Ludhiana branch

The Dmch Tagore Nagar Ludhiana branch of HDFC Bank is situated at HDFC BANK LTD DAYANAND MEDICAL COLLEGE AND HOSPITAL TAGORE NAGAR LUDHIANA PUNJAB 141001. 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 HDFC0009448 is used.

Branch details at a glance

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 DMCH TAGORE NAGAR LUDHIANA branch came to be assigned the code HDFC0009448.

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 HDFC0009448, money simply cannot be routed to the DMCH TAGORE NAGAR LUDHIANA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Dmch Tagore Nagar Ludhiana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0009448 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC HDFC0009448

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 HDFC0009448 across all three.

NEFT to HDFC Bank, DMCH TAGORE NAGAR LUDHIANA using IFSC HDFC0009448

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 HDFC0009448, and confirm that the system picks up HDFC Bank – DMCH TAGORE NAGAR LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0009448

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to HDFC Bank – DMCH TAGORE NAGAR LUDHIANA, ensure your bank's portal accepts IFSC HDFC0009448 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – DMCH TAGORE NAGAR LUDHIANA, use IMPS. With IFSC HDFC0009448 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 HDFC0009448 for HDFC Bank – DMCH TAGORE NAGAR LUDHIANA, 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.

For most retail customers crediting the Dmch Tagore Nagar Ludhiana 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 HDFC0009448

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 – DMCH TAGORE NAGAR LUDHIANA is still mapped to IFSC HDFC0009448. 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 HDFC0009448 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Dmch Tagore Nagar Ludhiana branch is mapped to IFSC HDFC0009448 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 HDFC0009448.

Products and services

Customers walking into the Dmch Tagore Nagar Ludhiana 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 HDFC0009448

Online banking and IFSC HDFC0009448

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the DMCH TAGORE NAGAR LUDHIANA 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 HDFC0009448 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.

How to reach the Dmch Tagore Nagar Ludhiana branch

The branch is located at HDFC BANK LTD DAYANAND MEDICAL COLLEGE AND HOSPITAL TAGORE NAGAR LUDHIANA PUNJAB 141001, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Dmch Tagore Nagar Ludhiana branch” — the verified location pin for IFSC HDFC0009448 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2676161 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 HDFC0009448 and your account number.

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 – DMCH TAGORE NAGAR LUDHIANA:

• The IFSC is exactly HDFC0009448 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 DMCH TAGORE NAGAR LUDHIANA 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.

Working hours

Branch counters at Dmch Tagore Nagar Ludhiana 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 HDFC0009448 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0009448 for HDFC Bank – DMCH TAGORE NAGAR LUDHIANA, 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 address & contact

Frequently asked questions

Summary

The IFSC code HDFC0009448 belongs to HDFC Bank's DMCH TAGORE NAGAR LUDHIANA branch, located at HDFC BANK LTD DAYANAND MEDICAL COLLEGE AND HOSPITAL TAGORE NAGAR LUDHIANA… in LUDHIANA, 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.