This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, MAHARAJGANJ branch in MAHARAJGANJ. The 11-digit IFSC HDFC0004786 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 MAHARAJGANJ 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.
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 MAHARAJGANJ branch, the IFSC HDFC0004786 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 004786 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 Maharajganj branch in Maharajganj, Uttar Pradesh is part of this network and uses the IFSC code HDFC0004786 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Maharajganj |
| IFSC Code | HDFC0004786 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD UPPER GROUND FLOOR WARD NO 1 GANDHI NAGAR MAHARAJGANJ RAE BAREILLY UTTAR PRADESH229306 |
| City | Maharajganj |
| District | Rai Bareli |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9935903333 |
Maharajganj branch overview
Located at HDFC BANK LTD UPPER GROUND FLOOR WARD NO 1 GANDHI NAGAR MAHARAJGANJ RAE BAREILLY UTTAR PRADESH229306, the Maharajganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0004786 is required for all interbank electronic transfers routed through this branch.
Why every HDFC Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MAHARAJGANJ of HDFC Bank — its own 11-character IFSC. The code HDFC0004786 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC HDFC0004786 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Maharajganj branch is mapped to IFSC HDFC0004786 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 HDFC0004786.
Banking services available
The Maharajganj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9935903333.
- 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 HDFC0004786
How to transfer money using IFSC HDFC0004786
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 HDFC0004786 across all three.
NEFT to HDFC Bank, MAHARAJGANJ using IFSC HDFC0004786
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 HDFC0004786, and confirm that the system picks up HDFC Bank – MAHARAJGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MAHARAJGANJ
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's MAHARAJGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0004786 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank MAHARAJGANJ (IFSC HDFC0004786)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004786 in your mobile or internet banking app, and the money is credited to the MAHARAJGANJ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004786 for HDFC Bank – MAHARAJGANJ, 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 – HDFC0004786 | Yes – HDFC0004786 | Yes – HDFC0004786 |
For most retail customers crediting the Maharajganj 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 MAHARAJGANJ branch, the IFSC HDFC0004786 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.
Online banking and IFSC HDFC0004786
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the MAHARAJGANJ 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 HDFC0004786 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 Maharajganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004786 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 – MAHARAJGANJ:
- The IFSC is exactly HDFC0004786 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 MAHARAJGANJ 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.
How to reach the Maharajganj branch
The branch is located at HDFC BANK LTD UPPER GROUND FLOOR WARD NO 1 GANDHI NAGAR MAHARAJGANJ RAE BAREILLY UTTAR PRADESH229306, which puts it inside Maharajganj, the broader Rai Bareli district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Maharajganj branch” — the verified location pin for IFSC HDFC0004786 should appear at the top of the results.
- Confirm the branch is open by calling 91-9935903333 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 HDFC0004786 and your account number.
Verifying IFSC HDFC0004786 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 HDFC0004786 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9935903333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Maharajganj 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 HDFC0004786 continue to work without interruption.
Branch address & contact
HDFC BankMaharajganj Branch
HDFC BANK LTD UPPER GROUND FLOOR WARD NO 1 GANDHI NAGAR MAHARAJGANJ RAE BAREILLY UTTAR PRADESH229306
Maharajganj, Uttar Pradesh
Phone: 91-9935903333
IFSC: HDFC0004786
Frequently asked questions
What is the phone number of HDFC Bank Maharajganj branch?
You can reach the branch at 91-9935903333 during regular banking hours.
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 Maharajganj branch but serve different purposes.
Is IFSC HDFC0004786 the same for all accounts at Maharajganj branch?
Yes. The IFSC HDFC0004786 is shared by every account held at HDFC Bank's Maharajganj branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Maharajganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004786, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0004786 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Maharajganj reflect within 30 minutes.
Can I use IFSC HDFC0004786 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0004786 to send funds instantly.
Where is HDFC Bank Maharajganj branch located?
HDFC Bank's Maharajganj branch is located at HDFC BANK LTD UPPER GROUND FLOOR WARD NO 1 GANDHI NAGAR MAHARAJGANJ RAE BAREILLY UTTAR PRADESH229306, Maharajganj, Uttar Pradesh.
Summary
The IFSC code HDFC0004786 belongs to HDFC Bank's MAHARAJGANJ branch, located at HDFC BANK LTD UPPER GROUND FLOOR WARD NO 1 GANDHI NAGAR MAHARAJGANJ RAE… in MAHARAJGANJ, UTTAR PRADESH. 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.
