Use this page as a one-stop reference for everything related to HDFC Bank's NESARGI branch in NESARGI, KARNATAKA. The branch's IFSC code HDFC0003182 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.
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 NESARGI branch, the IFSC HDFC0003182 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 003182 identifies this particular branch.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Nesargi |
| IFSC Code | HDFC0003182 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD. AT MALAPUR, POST NESARGI BAILAHONGALA TALUK BELGAUM KARNATAKA 591121 |
| City | Nesargi |
| District | Belgaum |
| State | Karnataka |
| STD Code | 91 |
| Phone | 9945863333 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nesargi branch in Nesargi, Karnataka is part of this network and uses the IFSC code HDFC0003182 for all electronic settlement.
About this branch
The branch is located at HDFC BANK LTD. AT MALAPUR, POST NESARGI BAILAHONGALA TALUK BELGAUM KARNATAKA 591121. It serves the Nesargi 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 HDFC0003182 is used to identify this branch on the RBI payments network.
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 NESARGI branch came to be assigned the code HDFC0003182.
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 HDFC0003182, money simply cannot be routed to the NESARGI branch electronically.
How to transfer money using IFSC HDFC0003182
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 HDFC0003182 across all three.
NEFT to HDFC Bank, NESARGI using IFSC HDFC0003182
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 HDFC0003182, and confirm that the system picks up HDFC Bank – NESARGI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NESARGI
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NESARGI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003182 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 – NESARGI, use IMPS. With IFSC HDFC0003182 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 HDFC0003182 for HDFC Bank – NESARGI, 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 – HDFC0003182 | Yes – HDFC0003182 | Yes – HDFC0003182 |
For most retail customers crediting the Nesargi 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 NESARGI branch, the IFSC HDFC0003182 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.
Account types you can open at the Nesargi branch
Once you have an account at HDFC Bank – NESARGI, the IFSC HDFC0003182 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 Nesargi 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 HDFC0003182
MICR & cheque-truncation details
Cheques drawn on the Nesargi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003182 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Nesargi 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 HDFC0003182 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.
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 – NESARGI:
- The IFSC is exactly HDFC0003182 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 NESARGI 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.
How to reach the Nesargi branch
The branch is located at HDFC BANK LTD. AT MALAPUR, POST NESARGI BAILAHONGALA TALUK BELGAUM KARNATAKA 591121, which puts it inside Nesargi, the broader Belgaum district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Nesargi branch” — the verified location pin for IFSC HDFC0003182 should appear at the top of the results.
- Confirm the branch is open by calling 91-9945863333 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC HDFC0003182 and your account number.
Verifying IFSC HDFC0003182 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 HDFC0003182 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9945863333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Nesargi 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 HDFC0003182 continue to work without interruption.
Branch address & contact
HDFC BankNesargi Branch
HDFC BANK LTD. AT MALAPUR, POST NESARGI BAILAHONGALA TALUK BELGAUM KARNATAKA 591121
Nesargi, Karnataka
Phone: 91-9945863333
IFSC: HDFC0003182
Frequently asked questions
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 Nesargi branch but serve different purposes.
How do I add HDFC Bank Nesargi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003182, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0003182 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Nesargi reflect within 30 minutes.
Is IFSC HDFC0003182 valid for NEFT and RTGS?
Yes. IFSC HDFC0003182 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Nesargi branch?
The IFSC code of HDFC Bank, Nesargi branch is HDFC0003182. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC HDFC0003182 the same for all accounts at Nesargi branch?
Yes. The IFSC HDFC0003182 is shared by every account held at HDFC Bank's Nesargi branch. Only the account number changes from customer to customer.
What is the phone number of HDFC Bank Nesargi branch?
You can reach the branch at 91-9945863333 during regular banking hours.
Does HDFC Bank Nesargi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9945863333 to confirm.
Summary
The IFSC code HDFC0003182 belongs to HDFC Bank's NESARGI branch, located at HDFC BANK LTD. AT MALAPUR, POST NESARGI BAILAHONGALA TALUK BELGAUM KARNATAKA… in NESARGI, KARNATAKA. 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.
