Use this page as a one-stop reference for everything related to HDFC Bank's MIRGANJ branch in MIRGANJ, BIHAR. The branch's IFSC code HDFC0004422 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, HDFC0004422 is the IFSC of HDFC Bank's MIRGANJ branch. The format is fixed: HDFC = bank code, 0 = reserved, 004422 = branch identifier.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Mirganj branch in Mirganj. 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, HDFC0004422.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Mirganj |
| IFSC Code | HDFC0004422 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD OPP FASHION WORLD MAIN ROAD MIRGANJ GOPALGANJ BIHAR841438 |
| City | Mirganj |
| District | Gopalganj |
| State | Bihar |
| STD Code | 1860 |
| Phone | 2666161 |
About this branch
The branch is located at HDFC BANK LTD OPP FASHION WORLD MAIN ROAD MIRGANJ GOPALGANJ BIHAR841438. It serves the Mirganj 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 HDFC0004422 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 MIRGANJ branch came to be assigned the code HDFC0004422.
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 HDFC0004422, money simply cannot be routed to the MIRGANJ branch electronically.
Products and account variants supported
Every account opened at the Mirganj branch is mapped to IFSC HDFC0004422 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 HDFC0004422.
Products and services
Customers walking into the Mirganj 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 HDFC0004422
How to transfer money using IFSC HDFC0004422
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 HDFC0004422 across all three.
NEFT to HDFC Bank, MIRGANJ using IFSC HDFC0004422
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 HDFC0004422, and confirm that the system picks up HDFC Bank – MIRGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0004422
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 – MIRGANJ, ensure your bank's portal accepts IFSC HDFC0004422 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank MIRGANJ (IFSC HDFC0004422)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004422 in your mobile or internet banking app, and the money is credited to the MIRGANJ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004422 for HDFC Bank – MIRGANJ, 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 – HDFC0004422 | Yes – HDFC0004422 | Yes – HDFC0004422 |
For most retail customers crediting the Mirganj 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 HDFC0004422
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 – MIRGANJ is still mapped to IFSC HDFC0004422. 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 HDFC0004422 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0004422
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the MIRGANJ 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 HDFC0004422 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 Mirganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004422 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 – MIRGANJ:
- The IFSC is exactly HDFC0004422 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 MIRGANJ 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 Mirganj branch sits at HDFC BANK LTD OPP FASHION WORLD MAIN ROAD MIRGANJ GOPALGANJ BIHAR841438. If you are travelling from outside Mirganj, search for the branch on a maps application using the bank name and locality, or call 1860-2666161 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 HDFC0004422 and your account number.
Verifying IFSC HDFC0004422 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 HDFC0004422 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1860-2666161.
- Visiting the bank's official branch locator page.
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 Mirganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0004422, however, work 24x7.
Branch address & contact
HDFC BankMirganj Branch
HDFC BANK LTD OPP FASHION WORLD MAIN ROAD MIRGANJ GOPALGANJ BIHAR841438
Mirganj, Bihar
Phone: 1860-2666161
IFSC: HDFC0004422
Frequently asked questions
How do I add HDFC Bank Mirganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004422, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Mirganj branch?
The IFSC code of HDFC Bank, Mirganj branch is HDFC0004422. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does HDFC Bank Mirganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2666161 to confirm.
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 Mirganj branch but serve different purposes.
Where is HDFC Bank Mirganj branch located?
HDFC Bank's Mirganj branch is located at HDFC BANK LTD OPP FASHION WORLD MAIN ROAD MIRGANJ GOPALGANJ BIHAR841438, Mirganj, Bihar.
Is IFSC HDFC0004422 the same for all accounts at Mirganj branch?
Yes. The IFSC HDFC0004422 is shared by every account held at HDFC Bank's Mirganj branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0004422 is the IFSC code of HDFC Bank, MIRGANJ branch, in MIRGANJ, BIHAR. 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.
