If you are searching for the IFSC code of HDFC Bank, PHILLAUR II branch in PHILLAUR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is HDFC0007609. 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 PHILLAUR II branch, and detailed step-by-step guides for using the IFSC HDFC0007609 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 – PHILLAUR II is HDFC0007609. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007609 map to this branch in PHILLAUR, PUNJAB.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Phillaur Ii |
| IFSC Code | HDFC0007609 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR B 8 48 TALWAN ROAD PHILLAUR PUNJAB 144410 |
| City | Phillaur |
| District | Jalandhar |
| State | Punjab |
| STD Code | 1800 |
| Phone | 2026161 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Phillaur Ii branch in Phillaur, Punjab is part of this network and uses the IFSC code HDFC0007609 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR B 8 48 TALWAN ROAD PHILLAUR PUNJAB 144410. It serves the Phillaur 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 HDFC0007609 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 PHILLAUR II branch came to be assigned the code HDFC0007609.
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 HDFC0007609, money simply cannot be routed to the PHILLAUR II branch electronically.
How to transfer money using IFSC HDFC0007609
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 HDFC0007609 across all three.
NEFT to HDFC Bank, PHILLAUR II using IFSC HDFC0007609
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 HDFC0007609, and confirm that the system picks up HDFC Bank – PHILLAUR II. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC HDFC0007609
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 – PHILLAUR II, ensure your bank's portal accepts IFSC HDFC0007609 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – PHILLAUR II, use IMPS. With IFSC HDFC0007609 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 HDFC0007609 for HDFC Bank – PHILLAUR II, 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 – HDFC0007609 | Yes – HDFC0007609 | Yes – HDFC0007609 |
For most retail customers crediting the Phillaur Ii 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 PHILLAUR II branch, the IFSC HDFC0007609 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 Phillaur Ii branch
Once you have an account at HDFC Bank – PHILLAUR II, the IFSC HDFC0007609 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.
Banking services available
The Phillaur Ii 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 HDFC0007609
MICR & cheque-truncation details
Cheques drawn on the Phillaur Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0007609 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC HDFC0007609
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the PHILLAUR II 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 HDFC0007609 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 – PHILLAUR II:
- The IFSC is exactly HDFC0007609 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 PHILLAUR II 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 Phillaur Ii branch sits at GROUND FLOOR B 8 48 TALWAN ROAD PHILLAUR PUNJAB 144410. If you are travelling from outside Phillaur, 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 HDFC0007609 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0007609 for HDFC Bank – PHILLAUR II, 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 Phillaur Ii 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 HDFC0007609 continue to work without interruption.
Branch address & contact
HDFC BankPhillaur Ii Branch
GROUND FLOOR B 8 48 TALWAN ROAD PHILLAUR PUNJAB 144410
Phillaur, Punjab
Phone: 1800-2026161
IFSC: HDFC0007609
Frequently asked questions
How quickly will an NEFT transfer using HDFC0007609 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Phillaur Ii reflect within 30 minutes.
How do I add HDFC Bank Phillaur Ii as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0007609, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0007609 the same for all accounts at Phillaur Ii branch?
Yes. The IFSC HDFC0007609 is shared by every account held at HDFC Bank's Phillaur Ii branch. Only the account number changes from customer to customer.
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 Phillaur Ii branch but serve different purposes.
What is the IFSC code of HDFC Bank Phillaur Ii branch?
The IFSC code of HDFC Bank, Phillaur Ii branch is HDFC0007609. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of HDFC Bank Phillaur Ii branch?
You can reach the branch at 1800-2026161 during regular banking hours.
Summary
The IFSC code HDFC0007609 belongs to HDFC Bank's PHILLAUR II branch, located at GROUND FLOOR B 8 48 TALWAN ROAD PHILLAUR PUNJAB 144410 in PHILLAUR, PUNJAB. 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.
