Use this page as a one-stop reference for everything related to HDFC Bank's PUNGANUR branch in PUNGANUR, ANDHRA PRADESH. The branch's IFSC code HDFC0003325 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.
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 – PUNGANUR is HDFC0003325. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003325 map to this branch in PUNGANUR, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Punganur |
| IFSC Code | HDFC0003325 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD, D NO 28-47/11 FIRST FLOOR, NEAR MDO OFFICE, MADANAPALLE ROAD, PUNGANUR, CHITTOOR ANDHRA PRADESH 517247 |
| City | Punganur |
| District | Chittoor |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 9949493333 |
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Punganur branch in Punganur. 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, HDFC0003325.
Punganur branch overview
Located at HDFC BANK LTD, D NO 28-47/11 FIRST FLOOR, NEAR MDO OFFICE, MADANAPALLE ROAD, PUNGANUR, CHITTOOR ANDHRA PRADESH 517247, the Punganur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0003325 is required for all interbank electronic transfers routed through this branch.
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 PUNGANUR of HDFC Bank — its own 11-character IFSC. The code HDFC0003325 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 HDFC0003325 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 HDFC0003325
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 HDFC0003325 across all three.
How to use IFSC HDFC0003325 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's PUNGANUR 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 HDFC0003325.
- Confirm the bank name auto-populates as HDFC Bank and the branch as PUNGANUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC HDFC0003325
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 – PUNGANUR, ensure your bank's portal accepts IFSC HDFC0003325 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – PUNGANUR, use IMPS. With IFSC HDFC0003325 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 HDFC0003325 for HDFC Bank – PUNGANUR, 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 – HDFC0003325 | Yes – HDFC0003325 | Yes – HDFC0003325 |
For most retail customers crediting the Punganur 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 HDFC0003325
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 – PUNGANUR is still mapped to IFSC HDFC0003325. 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 HDFC0003325 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Punganur branch is mapped to IFSC HDFC0003325 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 HDFC0003325.
Banking services available
The Punganur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9949493333.
- 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 HDFC0003325
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by HDFC Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC HDFC0003325 and the account number together uniquely identify the Punganur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Punganur 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 HDFC0003325 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.
Common mistakes to avoid when using IFSC HDFC0003325
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 – PUNGANUR, 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:
HDFC0003325. - 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.
How to reach the Punganur branch
The branch is located at HDFC BANK LTD, D NO 28-47/11 FIRST FLOOR, NEAR MDO OFFICE, MADANAPALLE ROAD, PUNGANUR, CHITTOOR ANDHRA PRADESH 517247, which puts it inside Punganur, the broader Chittoor district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Punganur branch” — the verified location pin for IFSC HDFC0003325 should appear at the top of the results.
- Confirm the branch is open by calling 91-9949493333 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 HDFC0003325 and your account number.
Verifying IFSC HDFC0003325 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 HDFC0003325 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9949493333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Punganur 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 HDFC0003325 continue to work without interruption.
Branch address & contact
HDFC BankPunganur Branch
HDFC BANK LTD, D NO 28-47/11 FIRST FLOOR, NEAR MDO OFFICE, MADANAPALLE ROAD, PUNGANUR, CHITTOOR ANDHRA PRADESH 517247
Punganur, Andhra Pradesh
Phone: 91-9949493333
IFSC: HDFC0003325
Frequently asked questions
What is the IFSC code of HDFC Bank Punganur branch?
The IFSC code of HDFC Bank, Punganur branch is HDFC0003325. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add HDFC Bank Punganur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003325, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is HDFC Bank Punganur branch located?
HDFC Bank's Punganur branch is located at HDFC BANK LTD, D NO 28-47/11 FIRST FLOOR, NEAR MDO OFFICE, MADANAPALLE ROAD, PUNGANUR, CHITTOOR ANDHRA PRADESH 517247, Punganur, Andhra Pradesh.
What is the phone number of HDFC Bank Punganur branch?
You can reach the branch at 91-9949493333 during regular banking hours.
Is IFSC HDFC0003325 valid for NEFT and RTGS?
Yes. IFSC HDFC0003325 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC HDFC0003325 the same for all accounts at Punganur branch?
Yes. The IFSC HDFC0003325 is shared by every account held at HDFC Bank's Punganur branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using HDFC0003325 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Punganur reflect within 30 minutes.
Final notes
To recap: HDFC0003325 is the IFSC code of HDFC Bank, PUNGANUR branch, in PUNGANUR, ANDHRA PRADESH. 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.
