This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, DUGARI PHAZE II branch in LUDHIANA. The 11-digit IFSC HDFC0001607 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the DUGARI PHAZE II location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – DUGARI PHAZE II is HDFC0001607. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001607 map to this branch in LUDHIANA, PUNJAB.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Dugari Phaze Ii branch in Ludhiana. 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, HDFC0001607.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Dugari Phaze Ii |
| IFSC Code | HDFC0001607 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK SCO 54- PHAZE IIURBAN ESTATEDUGARI |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 91 |
| Phone | 9815331111 |
About the Dugari Phaze Ii branch
The Dugari Phaze Ii branch of HDFC Bank is situated at HDFC BANK SCO 54- PHAZE IIURBAN ESTATEDUGARI. 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 HDFC0001607 is used.
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 DUGARI PHAZE II branch came to be assigned the code HDFC0001607.
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 HDFC0001607, money simply cannot be routed to the DUGARI PHAZE II branch electronically.
Products and account variants supported
Every account opened at the Dugari Phaze Ii branch is mapped to IFSC HDFC0001607 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 HDFC0001607.
Banking services available
The Dugari Phaze Ii 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 HDFC0001607
How to transfer money using IFSC HDFC0001607
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 HDFC0001607 across all three.
NEFT to HDFC Bank, DUGARI PHAZE II using IFSC HDFC0001607
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 HDFC0001607, and confirm that the system picks up HDFC Bank – DUGARI PHAZE II. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0001607
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 – DUGARI PHAZE II, ensure your bank's portal accepts IFSC HDFC0001607 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank DUGARI PHAZE II (IFSC HDFC0001607)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0001607 in your mobile or internet banking app, and the money is credited to the DUGARI PHAZE II branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0001607 for HDFC Bank – DUGARI PHAZE II, 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 – HDFC0001607 | Yes – HDFC0001607 | Yes – HDFC0001607 |
For most retail customers crediting the Dugari Phaze Ii 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 HDFC0001607
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 – DUGARI PHAZE II is still mapped to IFSC HDFC0001607. 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 HDFC0001607 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0001607
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the DUGARI PHAZE II 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 HDFC0001607 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 Dugari Phaze Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0001607 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 – DUGARI PHAZE II:
- The IFSC is exactly HDFC0001607 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 DUGARI PHAZE II 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.
Reaching the branch
The Dugari Phaze Ii branch sits at HDFC BANK SCO 54- PHAZE IIURBAN ESTATEDUGARI. If you are travelling from outside Ludhiana, 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 HDFC0001607 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0001607 for HDFC Bank – DUGARI PHAZE II, 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 Dugari Phaze Ii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0001607, however, work 24x7.
Branch address & contact
HDFC BankDugari Phaze Ii Branch
HDFC BANK SCO 54- PHAZE IIURBAN ESTATEDUGARI
Ludhiana, Punjab
Phone: 91-9815331111
IFSC: HDFC0001607
Frequently asked questions
Can I use IFSC HDFC0001607 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001607 to send funds instantly.
How quickly will an NEFT transfer using HDFC0001607 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Dugari Phaze Ii reflect within 30 minutes.
Does HDFC Bank Dugari Phaze Ii branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9815331111 to confirm.
What is the IFSC code of HDFC Bank Dugari Phaze Ii branch?
The IFSC code of HDFC Bank, Dugari Phaze Ii branch is HDFC0001607. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Dugari Phaze Ii branch but serve different purposes.
Where is HDFC Bank Dugari Phaze Ii branch located?
HDFC Bank's Dugari Phaze Ii branch is located at HDFC BANK SCO 54- PHAZE IIURBAN ESTATEDUGARI, Ludhiana, Punjab.
Is IFSC HDFC0001607 valid for NEFT and RTGS?
Yes. IFSC HDFC0001607 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code HDFC0001607 belongs to HDFC Bank's DUGARI PHAZE II branch, located at HDFC BANK SCO 54- PHAZE IIURBAN ESTATEDUGARI 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.
