IFSC Code of HDFC Bank, Kharghar Sector Xii Branch, Maharashtra

If you are searching for the IFSC code of HDFC Bank, KHARGHAR SECTOR XII branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is HDFC0003650. 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 KHARGHAR SECTOR XII branch, and detailed step-by-step guides for using the IFSC HDFC0003650 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.

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 KHARGHAR SECTOR XII branch, the IFSC HDFC0003650 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003650 identifies this particular branch.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Kharghar Sector Xii branch in Mumbai. 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, HDFC0003650.

Branch details at a glance

About the Kharghar Sector Xii branch

The Kharghar Sector Xii branch of HDFC Bank is situated at HDFC BANK LTD KRISHNA CHS SHOP18 19 SEC 12 PLOT NOD 69 PANDAV KADA RD OPP MSEB OFFICE KHARGHARNAVI MUMBAI MAHARASHTRA 410210. 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 HDFC0003650 is used.

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 KHARGHAR SECTOR XII of HDFC Bank — its own 11-character IFSC. The code HDFC0003650 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 HDFC0003650 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kharghar Sector Xii branch

Once you have an account at HDFC Bank – KHARGHAR SECTOR XII, the IFSC HDFC0003650 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 Kharghar Sector Xii 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 HDFC0003650

How to transfer money using IFSC HDFC0003650

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 HDFC0003650 across all three.

How to use IFSC HDFC0003650 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's KHARGHAR SECTOR XII 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 HDFC0003650.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as KHARGHAR SECTOR XII.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0003650

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 – KHARGHAR SECTOR XII, ensure your bank's portal accepts IFSC HDFC0003650 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank KHARGHAR SECTOR XII (IFSC HDFC0003650)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003650 in your mobile or internet banking app, and the money is credited to the KHARGHAR SECTOR XII branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kharghar Sector Xii

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 HDFC0003650:

• 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 KHARGHAR SECTOR XII is still linked to IFSC HDFC0003650.

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.

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 KHARGHAR SECTOR XII branch, the IFSC HDFC0003650 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 HDFC0003650

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the KHARGHAR SECTOR XII 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 HDFC0003650 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 HDFC0003650 and the account number together uniquely identify the Kharghar Sector Xii branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KHARGHAR SECTOR XII:

• The IFSC is exactly HDFC0003650 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 KHARGHAR SECTOR XII 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 Kharghar Sector Xii branch sits at HDFC BANK LTD KRISHNA CHS SHOP18 19 SEC 12 PLOT NOD 69 PANDAV KADA RD OPP MSEB OFFICE KHARGHARNAVI MUMBAI MAHARASHTRA 410210. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-61606161 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 HDFC0003650 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0003650 for HDFC Bank – KHARGHAR SECTOR XII, 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 Kharghar Sector Xii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003650, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0003650 belongs to HDFC Bank's KHARGHAR SECTOR XII branch, located at HDFC BANK LTD KRISHNA CHS SHOP18 19 SEC 12 PLOT NOD 69 PANDAV KADA RD OPP MSEB… in MUMBAI, MAHARASHTRA. 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.