IFSC Code of HDFC Bank, Mumbai - Charni Road Branch, Maharashtra

Use this page as a one-stop reference for everything related to HDFC Bank's MUMBAI - CHARNI ROAD branch in MUMBAI, MAHARASHTRA. The branch's IFSC code HDFC0000356 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, HDFC0000356 is the IFSC of HDFC Bank's MUMBAI - CHARNI ROAD branch. The format is fixed: HDFC = bank code, 0 = reserved, 000356 = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mumbai - Charni Road branch — IFSC HDFC0000356 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Mumbai - Charni Road branch

The Mumbai - Charni Road branch of HDFC Bank is situated at 2/3, LAUD MANSION,MAHARSIHI KARVE MARG,OPP CHARNI ROAD STATION,CHARNI ROAD MUMBAI MAHARASHTRA 400004. 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 HDFC0000356 is used.

Branch details at a glance

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 MUMBAI - CHARNI ROAD of HDFC Bank — its own 11-character IFSC. The code HDFC0000356 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 HDFC0000356 the same way you would treat your account number — verify it once and save it carefully for future use.

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 HDFC0000356 and the account number together uniquely identify the Mumbai - Charni Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC HDFC0000356

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 HDFC0000356 across all three.

NEFT to HDFC Bank, MUMBAI - CHARNI ROAD using IFSC HDFC0000356

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 HDFC0000356, and confirm that the system picks up HDFC Bank – MUMBAI - CHARNI ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0000356

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 – MUMBAI - CHARNI ROAD, ensure your bank's portal accepts IFSC HDFC0000356 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank MUMBAI - CHARNI ROAD (IFSC HDFC0000356)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000356 in your mobile or internet banking app, and the money is credited to the MUMBAI - CHARNI ROAD branch account within seconds.

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

All three modes accept the IFSC HDFC0000356 for HDFC Bank – MUMBAI - CHARNI ROAD, 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 Mumbai - Charni Road 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 MUMBAI - CHARNI ROAD branch, the IFSC HDFC0000356 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.

Products and account variants supported

Every account opened at the Mumbai - Charni Road branch is mapped to IFSC HDFC0000356 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 HDFC0000356.

Banking services available

The Mumbai - Charni Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9890603333.

• 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 HDFC0000356

Digital banking channels

Most day-to-day work that customers used to do at the Mumbai - Charni Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC HDFC0000356 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Mumbai - Charni Road branch sits at 2/3, LAUD MANSION,MAHARSIHI KARVE MARG,OPP CHARNI ROAD STATION,CHARNI ROAD MUMBAI MAHARASHTRA 400004. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 91-9890603333 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 HDFC0000356 and your account number.

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 – MUMBAI - CHARNI ROAD:

• The IFSC is exactly HDFC0000356 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 MUMBAI - CHARNI ROAD 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.

Working hours

Branch counters at Mumbai - Charni Road 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 HDFC0000356 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0000356 for HDFC Bank – MUMBAI - CHARNI ROAD, 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 address & contact

Frequently asked questions

Final notes

To recap: HDFC0000356 is the IFSC code of HDFC Bank, MUMBAI - CHARNI ROAD branch, in MUMBAI, MAHARASHTRA. 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.