If you are searching for the IFSC code of HDFC Bank, NATIPORA branch in NOW GAM, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is HDFC0007102. 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 NATIPORA branch, and detailed step-by-step guides for using the IFSC HDFC0007102 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for HDFC Bank – NATIPORA is HDFC0007102. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007102 map to this branch in NOW GAM, JAMMU AND KASHMIR.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Natipora branch in Now Gam. 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, HDFC0007102.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Natipora |
| IFSC Code | HDFC0007102 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR MAIN CHOWK NATIPORA NEAR J AND K BANK NOW GAM CT NOW GAM JAMMU AND KASHMIR 190015 |
| City | Now Gam |
| District | Srinagar |
| State | Jammu and Kashmir |
| STD Code | 1800 |
| Phone | 2026161 |
About this branch
The branch is located at GRD FLOOR MAIN CHOWK NATIPORA NEAR J AND K BANK NOW GAM CT NOW GAM JAMMU AND KASHMIR 190015. It serves the Now Gam 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 HDFC0007102 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 NATIPORA branch came to be assigned the code HDFC0007102.
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 HDFC0007102, money simply cannot be routed to the NATIPORA branch electronically.
Account types you can open at the Natipora branch
Once you have an account at HDFC Bank – NATIPORA, the IFSC HDFC0007102 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 Natipora 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 HDFC0007102
How to transfer money using IFSC HDFC0007102
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 HDFC0007102 across all three.
How to use IFSC HDFC0007102 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's NATIPORA 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 HDFC0007102.
- Confirm the bank name auto-populates as HDFC Bank and the branch as NATIPORA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to NATIPORA
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NATIPORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007102 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 – NATIPORA, use IMPS. With IFSC HDFC0007102 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Natipora
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 HDFC0007102:
- 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 NATIPORA is still linked to IFSC HDFC0007102.
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.
UPI payments and IFSC HDFC0007102
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 – NATIPORA is still mapped to IFSC HDFC0007102. 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 HDFC0007102 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 Natipora 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 HDFC0007102 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 & cheque-truncation details
Cheques drawn on the Natipora branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0007102 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC HDFC0007102
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – NATIPORA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
HDFC0007102. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Natipora branch sits at GRD FLOOR MAIN CHOWK NATIPORA NEAR J AND K BANK NOW GAM CT NOW GAM JAMMU AND KASHMIR 190015. If you are travelling from outside Now Gam, search for the branch on a maps application using the bank name and locality, or call 1800-2026161 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 HDFC0007102 and your account number.
Verifying IFSC HDFC0007102 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 HDFC0007102 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800-2026161.
- Visiting the bank's official branch locator page.
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 Natipora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0007102, however, work 24x7.
Branch address & contact
HDFC BankNatipora Branch
GRD FLOOR MAIN CHOWK NATIPORA NEAR J AND K BANK NOW GAM CT NOW GAM JAMMU AND KASHMIR 190015
Now Gam, Jammu and Kashmir
Phone: 1800-2026161
IFSC: HDFC0007102
Frequently asked questions
Is IFSC HDFC0007102 valid for NEFT and RTGS?
Yes. IFSC HDFC0007102 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add HDFC Bank Natipora as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007102, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0007102 the same for all accounts at Natipora branch?
Yes. The IFSC HDFC0007102 is shared by every account held at HDFC Bank's Natipora branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using HDFC0007102 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Natipora reflect within 30 minutes.
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 Natipora branch but serve different purposes.
Where is HDFC Bank Natipora branch located?
HDFC Bank's Natipora branch is located at GRD FLOOR MAIN CHOWK NATIPORA NEAR J AND K BANK NOW GAM CT NOW GAM JAMMU AND KASHMIR 190015, Now Gam, Jammu and Kashmir.
Summary
The IFSC code HDFC0007102 belongs to HDFC Bank's NATIPORA branch, located at GRD FLOOR MAIN CHOWK NATIPORA NEAR J AND K BANK NOW GAM CT NOW GAM JAMMU AND… in NOW GAM, JAMMU AND KASHMIR. 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.
