This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, PAMAL branch in LUDHIANA. The 11-digit IFSC HDFC0003488 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 PAMAL 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.
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, HDFC0003488 is the IFSC of HDFC Bank's PAMAL branch. The format is fixed: HDFC = bank code, 0 = reserved, 003488 = branch identifier.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Pamal 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, HDFC0003488.
About the Pamal branch
The Pamal branch of HDFC Bank is situated at BUIDLING NEAR BUS STAND, VPO PAMAL, DISTT. LUDHIANA, LUDHIANA PUNJAB 142021. 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 HDFC0003488 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Pamal |
| IFSC Code | HDFC0003488 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BUIDLING NEAR BUS STAND, VPO PAMAL, DISTT. LUDHIANA, LUDHIANA PUNJAB 142021 |
| City | Ludhiana |
| District | Ludhiana |
| 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 PAMAL branch came to be assigned the code HDFC0003488.
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 HDFC0003488, money simply cannot be routed to the PAMAL 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 HDFC0003488 and the account number together uniquely identify the Pamal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0003488
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 HDFC0003488 across all three.
NEFT to HDFC Bank, PAMAL using IFSC HDFC0003488
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 HDFC0003488, and confirm that the system picks up HDFC Bank – PAMAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PAMAL
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's PAMAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003488 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 – PAMAL, use IMPS. With IFSC HDFC0003488 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Pamal
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 HDFC0003488:
- 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 PAMAL is still linked to IFSC HDFC0003488.
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 HDFC0003488
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 – PAMAL is still mapped to IFSC HDFC0003488. 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 HDFC0003488 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pamal branch
Once you have an account at HDFC Bank – PAMAL, the IFSC HDFC0003488 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Pamal 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 HDFC0003488
Digital banking channels
Most day-to-day work that customers used to do at the Pamal 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 HDFC0003488 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.
How to reach the Pamal branch
The branch is located at BUIDLING NEAR BUS STAND, VPO PAMAL, DISTT. LUDHIANA, LUDHIANA PUNJAB 142021, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Pamal branch” — the verified location pin for IFSC HDFC0003488 should appear at the top of the results.
- Confirm the branch is open by calling 91-9815331111 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 HDFC0003488 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 – PAMAL:
- The IFSC is exactly HDFC0003488 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 PAMAL 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 Pamal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003488, however, work 24x7.
Verifying IFSC HDFC0003488 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 HDFC0003488 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 BankPamal Branch
BUIDLING NEAR BUS STAND, VPO PAMAL, DISTT. LUDHIANA, LUDHIANA PUNJAB 142021
Ludhiana, Punjab
Phone: 91-9815331111
IFSC: HDFC0003488
Frequently asked questions
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 Pamal branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0003488 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Pamal reflect within 30 minutes.
What is the phone number of HDFC Bank Pamal branch?
You can reach the branch at 91-9815331111 during regular banking hours.
What is the IFSC code of HDFC Bank Pamal branch?
The IFSC code of HDFC Bank, Pamal branch is HDFC0003488. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is HDFC Bank Pamal branch located?
HDFC Bank's Pamal branch is located at BUIDLING NEAR BUS STAND, VPO PAMAL, DISTT. LUDHIANA, LUDHIANA PUNJAB 142021, Ludhiana, Punjab.
Does HDFC Bank Pamal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9815331111 to confirm.
How do I add HDFC Bank Pamal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003488, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HDFC0003488 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003488 to send funds instantly.
Summary
The IFSC code HDFC0003488 belongs to HDFC Bank's PAMAL branch, located at BUIDLING NEAR BUS STAND, VPO PAMAL, DISTT. LUDHIANA, LUDHIANA PUNJAB 142021 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.
