IFSC Code of HDFC Bank, Ludhiana - Millerganj - Punjab Branch, Punjab

Use this page as a one-stop reference for everything related to HDFC Bank's LUDHIANA - MILLERGANJ - PUNJAB branch in LUDHIANA, PUNJAB. The branch's IFSC code HDFC0000259 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, HDFC0000259 is the IFSC of HDFC Bank's LUDHIANA - MILLERGANJ - PUNJAB branch. The format is fixed: HDFC = bank code, 0 = reserved, 000259 = branch identifier.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Ludhiana - Millerganj - Punjab 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, HDFC0000259.

Ludhiana - Millerganj - Punjab branch overview

Located at PLOT AND SHED NO-B-XV-168/1GT ROAD,MILLERGANJ LUDHIANA PUNJAB141003, the Ludhiana - Millerganj - Punjab branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0000259 is required for all interbank electronic transfers routed through this branch.

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 LUDHIANA - MILLERGANJ - PUNJAB branch came to be assigned the code HDFC0000259.

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 HDFC0000259, money simply cannot be routed to the LUDHIANA - MILLERGANJ - PUNJAB branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ludhiana - Millerganj - Punjab branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0000259 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 HDFC0000259

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 HDFC0000259 across all three.

NEFT to HDFC Bank, LUDHIANA - MILLERGANJ - PUNJAB using IFSC HDFC0000259

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 HDFC0000259, and confirm that the system picks up HDFC Bank – LUDHIANA - MILLERGANJ - PUNJAB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0000259

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 – LUDHIANA - MILLERGANJ - PUNJAB, ensure your bank's portal accepts IFSC HDFC0000259 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank LUDHIANA - MILLERGANJ - PUNJAB (IFSC HDFC0000259)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000259 in your mobile or internet banking app, and the money is credited to the LUDHIANA - MILLERGANJ - PUNJAB branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ludhiana - Millerganj - Punjab

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 HDFC0000259:

• 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 LUDHIANA - MILLERGANJ - PUNJAB is still linked to IFSC HDFC0000259.

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 HDFC0000259

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 – LUDHIANA - MILLERGANJ - PUNJAB is still mapped to IFSC HDFC0000259. 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 HDFC0000259 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ludhiana - Millerganj - Punjab branch is mapped to IFSC HDFC0000259 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 HDFC0000259.

Banking services available

The Ludhiana - Millerganj - Punjab 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 HDFC0000259

Online banking and IFSC HDFC0000259

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the LUDHIANA - MILLERGANJ - PUNJAB 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 HDFC0000259 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 Ludhiana - Millerganj - Punjab branch

The branch is located at PLOT AND SHED NO-B-XV-168/1GT ROAD,MILLERGANJ LUDHIANA PUNJAB141003, 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 Ludhiana - Millerganj - Punjab branch” — the verified location pin for IFSC HDFC0000259 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9815331111 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 HDFC0000259 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 – LUDHIANA - MILLERGANJ - PUNJAB:

• The IFSC is exactly HDFC0000259 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 LUDHIANA - MILLERGANJ - PUNJAB 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.

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 Ludhiana - Millerganj - Punjab branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0000259, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0000259 for HDFC Bank – LUDHIANA - MILLERGANJ - PUNJAB, 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

Final notes

To recap: HDFC0000259 is the IFSC code of HDFC Bank, LUDHIANA - MILLERGANJ - PUNJAB branch, in LUDHIANA, 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.