If you are searching for the IFSC code of HDFC Bank, MUDHAL branch in MUDHAL, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is HDFC0003139. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MUDHAL branch, and detailed step-by-step guides for using the IFSC HDFC0003139 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – MUDHAL is HDFC0003139. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003139 map to this branch in MUDHAL, PUNJAB.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mudhal branch in Mudhal, Punjab is part of this network and uses the IFSC code HDFC0003139 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Mudhal |
| IFSC Code | HDFC0003139 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD OPP. GOVT. HIGH SCHOOL, VPO. MUDAL DISTT. AMRITSAR, MUDHAL PUNJAB 143501 |
| City | Mudhal |
| District | Amritsar |
| State | Punjab |
| STD Code | 91 |
| Phone | 9815331111 |
Mudhal branch overview
Located at HDFC BANK LTD OPP. GOVT. HIGH SCHOOL, VPO. MUDAL DISTT. AMRITSAR, MUDHAL PUNJAB 143501, the Mudhal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0003139 is required for all interbank electronic transfers routed through this branch.
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 MUDHAL branch came to be assigned the code HDFC0003139.
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 HDFC0003139, money simply cannot be routed to the MUDHAL branch electronically.
Products and account variants supported
Every account opened at the Mudhal branch is mapped to IFSC HDFC0003139 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 HDFC0003139.
Products and services
Customers walking into the Mudhal 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 HDFC0003139
How to transfer money using IFSC HDFC0003139
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 HDFC0003139 across all three.
NEFT to HDFC Bank, MUDHAL using IFSC HDFC0003139
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 HDFC0003139, and confirm that the system picks up HDFC Bank – MUDHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MUDHAL
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's MUDHAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003139 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 – MUDHAL, use IMPS. With IFSC HDFC0003139 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0003139 for HDFC Bank – MUDHAL, 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 – HDFC0003139 | Yes – HDFC0003139 | Yes – HDFC0003139 |
For most retail customers crediting the Mudhal 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 HDFC0003139
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 – MUDHAL is still mapped to IFSC HDFC0003139. 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 HDFC0003139 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0003139
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the MUDHAL 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 HDFC0003139 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 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 HDFC0003139 and the account number together uniquely identify the Mudhal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC HDFC0003139
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – MUDHAL, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
HDFC0003139. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Mudhal branch sits at HDFC BANK LTD OPP. GOVT. HIGH SCHOOL, VPO. MUDAL DISTT. AMRITSAR, MUDHAL PUNJAB 143501. If you are travelling from outside Mudhal, search for the branch on a maps application using the bank name and locality, or call 91-9815331111 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 HDFC0003139 and your account number.
Verifying IFSC HDFC0003139 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 HDFC0003139 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.
Working hours
Branch counters at Mudhal 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 HDFC0003139 continue to work without interruption.
Branch address & contact
HDFC BankMudhal Branch
HDFC BANK LTD OPP. GOVT. HIGH SCHOOL, VPO. MUDAL DISTT. AMRITSAR, MUDHAL PUNJAB 143501
Mudhal, Punjab
Phone: 91-9815331111
IFSC: HDFC0003139
Frequently asked questions
How quickly will an NEFT transfer using HDFC0003139 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Mudhal reflect within 30 minutes.
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 Mudhal branch but serve different purposes.
How do I add HDFC Bank Mudhal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003139, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0003139 valid for NEFT and RTGS?
Yes. IFSC HDFC0003139 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Mudhal branch located?
HDFC Bank's Mudhal branch is located at HDFC BANK LTD OPP. GOVT. HIGH SCHOOL, VPO. MUDAL DISTT. AMRITSAR, MUDHAL PUNJAB 143501, Mudhal, Punjab.
What is the IFSC code of HDFC Bank Mudhal branch?
The IFSC code of HDFC Bank, Mudhal branch is HDFC0003139. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code HDFC0003139 belongs to HDFC Bank's MUDHAL branch, located at HDFC BANK LTD OPP. GOVT. HIGH SCHOOL, VPO. MUDAL DISTT. AMRITSAR, MUDHAL… in MUDHAL, 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.
