This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, NAHARLAGUN branch in NAHARLAGUN. The 11-digit IFSC HDFC0004313 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the NAHARLAGUN location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, HDFC0004313 is the IFSC of HDFC Bank's NAHARLAGUN branch. The format is fixed: HDFC = bank code, 0 = reserved, 004313 = branch identifier.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Naharlagun branch — IFSC HDFC0004313 — extends the bank's services to customers in and around Naharlagun, Arunachal Pradesh.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Naharlagun |
| IFSC Code | HDFC0004313 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD BASAR COMMERCIAL COMPLEX NAHARLAGUN NAHARLAGUN ARUNACHAL PRADESH791110 |
| City | Naharlagun |
| District | Papumpare |
| State | Arunachal Pradesh |
| STD Code | 1800 |
| Phone | 3453333 |
About this branch
The branch is located at HDFC BANK LTD BASAR COMMERCIAL COMPLEX NAHARLAGUN NAHARLAGUN ARUNACHAL PRADESH791110. It serves the Naharlagun 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 HDFC0004313 is used to identify this branch on the RBI payments network.
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 NAHARLAGUN of HDFC Bank — its own 11-character IFSC. The code HDFC0004313 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 HDFC0004313 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Naharlagun branch is mapped to IFSC HDFC0004313 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 HDFC0004313.
Banking services available
The Naharlagun branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-3453333.
- 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 HDFC0004313
How to transfer money using IFSC HDFC0004313
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 HDFC0004313 across all three.
How to use IFSC HDFC0004313 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's NAHARLAGUN 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0004313.
- Confirm the bank name auto-populates as HDFC Bank and the branch as NAHARLAGUN.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0004313
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 – NAHARLAGUN, ensure your bank's portal accepts IFSC HDFC0004313 while registering the beneficiary. RTGS is also available 24x7.
IMPS to HDFC Bank NAHARLAGUN (IFSC HDFC0004313)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004313 in your mobile or internet banking app, and the money is credited to the NAHARLAGUN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004313 for HDFC Bank – NAHARLAGUN, 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 – HDFC0004313 | Yes – HDFC0004313 | Yes – HDFC0004313 |
For most retail customers crediting the Naharlagun 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 HDFC0004313
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 – NAHARLAGUN is still mapped to IFSC HDFC0004313. 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 HDFC0004313 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Naharlagun 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 HDFC0004313 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.
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 HDFC0004313 and the account number together uniquely identify the Naharlagun 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 – NAHARLAGUN:
- The IFSC is exactly HDFC0004313 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 NAHARLAGUN 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 Naharlagun branch sits at HDFC BANK LTD BASAR COMMERCIAL COMPLEX NAHARLAGUN NAHARLAGUN ARUNACHAL PRADESH791110. If you are travelling from outside Naharlagun, search for the branch on a maps application using the bank name and locality, or call 1800-3453333 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 HDFC0004313 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0004313 for HDFC Bank – NAHARLAGUN, 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.
Working hours
Branch counters at Naharlagun 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 HDFC0004313 continue to work without interruption.
Branch address & contact
HDFC BankNaharlagun Branch
HDFC BANK LTD BASAR COMMERCIAL COMPLEX NAHARLAGUN NAHARLAGUN ARUNACHAL PRADESH791110
Naharlagun, Arunachal Pradesh
Phone: 1800-3453333
IFSC: HDFC0004313
Frequently asked questions
Is IFSC HDFC0004313 valid for NEFT and RTGS?
Yes. IFSC HDFC0004313 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HDFC0004313 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0004313 to send funds instantly.
How do I add HDFC Bank Naharlagun as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004313, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0004313 the same for all accounts at Naharlagun branch?
Yes. The IFSC HDFC0004313 is shared by every account held at HDFC Bank's Naharlagun branch. Only the account number changes from customer to customer.
What is the IFSC code of HDFC Bank Naharlagun branch?
The IFSC code of HDFC Bank, Naharlagun branch is HDFC0004313. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HDFC0004313 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Naharlagun reflect within 30 minutes.
What is the phone number of HDFC Bank Naharlagun branch?
You can reach the branch at 1800-3453333 during regular banking hours.
Summary
The IFSC code HDFC0004313 belongs to HDFC Bank's NAHARLAGUN branch, located at HDFC BANK LTD BASAR COMMERCIAL COMPLEX NAHARLAGUN NAHARLAGUN ARUNACHAL… in NAHARLAGUN, ARUNACHAL PRADESH. 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.
