Use this page as a one-stop reference for everything related to HDFC Bank's PAYYOLI branch in PAYYOLI, KERALA. The branch's IFSC code HDFC0008363 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, HDFC0008363 is the IFSC of HDFC Bank's PAYYOLI branch. The format is fixed: HDFC = bank code, 0 = reserved, 008363 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Payyoli |
| IFSC Code | HDFC0008363 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GRD FLOOR PERUMA COMPLEX IPC ROAD PAYYOLI PAYYOLI KERALA 673522 |
| City | Payyoli |
| District | Kozhikode |
| State | Kerala |
| STD Code | 1800 |
| Phone | 2026161 |
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Payyoli branch — IFSC HDFC0008363 — extends the bank's services to customers in and around Payyoli, Kerala.
About the Payyoli branch
The Payyoli branch of HDFC Bank is situated at GRD FLOOR PERUMA COMPLEX IPC ROAD PAYYOLI PAYYOLI KERALA 673522. 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 HDFC0008363 is used.
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 PAYYOLI of HDFC Bank — its own 11-character IFSC. The code HDFC0008363 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 HDFC0008363 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC HDFC0008363
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 HDFC0008363 across all three.
NEFT to HDFC Bank, PAYYOLI using IFSC HDFC0008363
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 HDFC0008363, and confirm that the system picks up HDFC Bank – PAYYOLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0008363
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 – PAYYOLI, ensure your bank's portal accepts IFSC HDFC0008363 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – PAYYOLI, use IMPS. With IFSC HDFC0008363 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 Payyoli
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 HDFC0008363:
- 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 PAYYOLI is still linked to IFSC HDFC0008363.
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 HDFC0008363
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 – PAYYOLI is still mapped to IFSC HDFC0008363. 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 HDFC0008363 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Payyoli branch is mapped to IFSC HDFC0008363 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 HDFC0008363.
Banking services available
The Payyoli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-2026161.
- 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 HDFC0008363
MICR & cheque-truncation details
Cheques drawn on the Payyoli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0008363 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC HDFC0008363
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the PAYYOLI 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 HDFC0008363 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.
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 – PAYYOLI:
- The IFSC is exactly HDFC0008363 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 PAYYOLI 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 Payyoli branch sits at GRD FLOOR PERUMA COMPLEX IPC ROAD PAYYOLI PAYYOLI KERALA 673522. If you are travelling from outside Payyoli, 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 HDFC0008363 and your account number.
Verifying IFSC HDFC0008363 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 HDFC0008363 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.
Working hours
Branch counters at Payyoli 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 HDFC0008363 continue to work without interruption.
Branch address & contact
HDFC BankPayyoli Branch
GRD FLOOR PERUMA COMPLEX IPC ROAD PAYYOLI PAYYOLI KERALA 673522
Payyoli, Kerala
Phone: 1800-2026161
IFSC: HDFC0008363
Frequently asked questions
How do I add HDFC Bank Payyoli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0008363, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using HDFC0008363 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Payyoli reflect within 30 minutes.
What is the phone number of HDFC Bank Payyoli branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Does HDFC Bank Payyoli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
Is IFSC HDFC0008363 valid for NEFT and RTGS?
Yes. IFSC HDFC0008363 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC HDFC0008363 the same for all accounts at Payyoli branch?
Yes. The IFSC HDFC0008363 is shared by every account held at HDFC Bank's Payyoli branch. Only the account number changes from customer to customer.
Summary
The IFSC code HDFC0008363 belongs to HDFC Bank's PAYYOLI branch, located at GRD FLOOR PERUMA COMPLEX IPC ROAD PAYYOLI PAYYOLI KERALA 673522 in PAYYOLI, KERALA. 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.
