IFSC Code of HDFC Bank, Margherita Branch, Assam

Below are the complete branch details for HDFC Bank, MARGHERITA branch, located in MARGHERITA, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0005526. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0005526 for HDFC Bank – MARGHERITA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – MARGHERITA is HDFC0005526. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005526 map to this branch in MARGHERITA, ASSAM.

Branch details at a glance

About the bank

HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Margherita branch in Margherita, Assam is part of this network and uses the IFSC code HDFC0005526 for all electronic settlement.

About this branch

The branch is located at HDFC BANK LTD BLOCK TINIALI SEGUNBARI MARGHERITA NH 38 TINSUKIA MARGHERITA ASSAM 786181. It serves the Margherita region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of HDFC Bank. The IFSC HDFC0005526 is used to identify this branch on the RBI payments network.

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 MARGHERITA branch came to be assigned the code HDFC0005526.

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 HDFC0005526, money simply cannot be routed to the MARGHERITA branch electronically.

How to transfer money using IFSC HDFC0005526

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 HDFC0005526 across all three.

How to use IFSC HDFC0005526 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's MARGHERITA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0005526.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as MARGHERITA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MARGHERITA

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's MARGHERITA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0005526 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank MARGHERITA (IFSC HDFC0005526)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0005526 in your mobile or internet banking app, and the money is credited to the MARGHERITA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0005526 for HDFC Bank – MARGHERITA, 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 Margherita 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 MARGHERITA branch, the IFSC HDFC0005526 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.

Account types you can open at the Margherita branch

Once you have an account at HDFC Bank – MARGHERITA, the IFSC HDFC0005526 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.

Banking services available

The Margherita branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2676161.

• 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 HDFC0005526

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 HDFC0005526 and the account number together uniquely identify the Margherita branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0005526

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the MARGHERITA 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 HDFC0005526 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.

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 – MARGHERITA:

• The IFSC is exactly HDFC0005526 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 MARGHERITA 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 Margherita branch

The branch is located at HDFC BANK LTD BLOCK TINIALI SEGUNBARI MARGHERITA NH 38 TINSUKIA MARGHERITA ASSAM 786181, which puts it inside Margherita, the broader Tinsukia district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Margherita branch” — the verified location pin for IFSC HDFC0005526 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 HDFC0005526 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0005526 for HDFC Bank – MARGHERITA, 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 Margherita branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0005526, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0005526 is the IFSC code of HDFC Bank, MARGHERITA branch, in MARGHERITA, ASSAM. 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.