If you are searching for the IFSC code of HDFC Bank, NAGDHARA branch in NAVSARI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is HDFC0003103. 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 NAGDHARA branch, and detailed step-by-step guides for using the IFSC HDFC0003103 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.
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, HDFC0003103 is the IFSC of HDFC Bank's NAGDHARA branch. The format is fixed: HDFC = bank code, 0 = reserved, 003103 = branch identifier.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nagdhara branch in Navsari, Gujarat is part of this network and uses the IFSC code HDFC0003103 for all electronic settlement.
About this branch
The branch is located at BLOCK NO. 749, AT AND POST NAGDHARA OPP. NAGDHARA MANDIL, TALUKA AND DIST - NAVSARI, NAGDHARA GUJARAT 396466. It serves the Navsari 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 HDFC0003103 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Nagdhara |
| IFSC Code | HDFC0003103 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BLOCK NO. 749, AT AND POST NAGDHARA OPP. NAGDHARA MANDIL, TALUKA AND DIST - NAVSARI, NAGDHARA GUJARAT 396466 |
| City | Navsari |
| District | Navsari |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9898271111 |
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 NAGDHARA of HDFC Bank — its own 11-character IFSC. The code HDFC0003103 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 HDFC0003103 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Nagdhara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003103 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC HDFC0003103
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 HDFC0003103 across all three.
NEFT to HDFC Bank, NAGDHARA using IFSC HDFC0003103
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 HDFC0003103, and confirm that the system picks up HDFC Bank – NAGDHARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAGDHARA
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NAGDHARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003103 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank NAGDHARA (IFSC HDFC0003103)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003103 in your mobile or internet banking app, and the money is credited to the NAGDHARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0003103 for HDFC Bank – NAGDHARA, 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 – HDFC0003103 | Yes – HDFC0003103 | Yes – HDFC0003103 |
For most retail customers crediting the Nagdhara 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 HDFC0003103
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 – NAGDHARA is still mapped to IFSC HDFC0003103. 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 HDFC0003103 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Nagdhara branch is mapped to IFSC HDFC0003103 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 HDFC0003103.
Products and services
Customers walking into the Nagdhara 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 HDFC0003103
Online banking and IFSC HDFC0003103
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the NAGDHARA 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 HDFC0003103 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.
Reaching the branch
The Nagdhara branch sits at BLOCK NO. 749, AT AND POST NAGDHARA OPP. NAGDHARA MANDIL, TALUKA AND DIST - NAVSARI, NAGDHARA GUJARAT 396466. If you are travelling from outside Navsari, search for the branch on a maps application using the bank name and locality, or call 91-9898271111 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 HDFC0003103 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 – NAGDHARA:
- The IFSC is exactly HDFC0003103 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 NAGDHARA 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 Nagdhara 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 HDFC0003103 continue to work without interruption.
Verifying IFSC HDFC0003103 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 HDFC0003103 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9898271111.
- Visiting the bank's official branch locator page.
Branch address & contact
HDFC BankNagdhara Branch
BLOCK NO. 749, AT AND POST NAGDHARA OPP. NAGDHARA MANDIL, TALUKA AND DIST - NAVSARI, NAGDHARA GUJARAT 396466
Navsari, Gujarat
Phone: 91-9898271111
IFSC: HDFC0003103
Frequently asked questions
What is the phone number of HDFC Bank Nagdhara branch?
You can reach the branch at 91-9898271111 during regular banking hours.
What is the IFSC code of HDFC Bank Nagdhara branch?
The IFSC code of HDFC Bank, Nagdhara branch is HDFC0003103. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is HDFC Bank Nagdhara branch located?
HDFC Bank's Nagdhara branch is located at BLOCK NO. 749, AT AND POST NAGDHARA OPP. NAGDHARA MANDIL, TALUKA AND DIST - NAVSARI, NAGDHARA GUJARAT 396466, Navsari, Gujarat.
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 Nagdhara branch but serve different purposes.
Is IFSC HDFC0003103 valid for NEFT and RTGS?
Yes. IFSC HDFC0003103 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC HDFC0003103 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0003103 to send funds instantly.
How do I add HDFC Bank Nagdhara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003103, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: HDFC0003103 is the IFSC code of HDFC Bank, NAGDHARA branch, in NAVSARI, GUJARAT. 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.
