IFSC Code of HDFC Bank, Gauri Shankar Chowk Branch, Chhattisgarh

Use this page as a one-stop reference for everything related to HDFC Bank's GAURI SHANKAR CHOWK branch in RAIGARH, CHHATTISGARH. The branch's IFSC code HDFC0005081 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 GAURI SHANKAR CHOWK branch, the IFSC HDFC0005081 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 005081 identifies this particular branch.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Gauri Shankar Chowk branch in Raigarh. 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, HDFC0005081.

Branch details at a glance

About this branch

The branch is located at HDFC BANK LTD GRD AND 1ST FLOOR AGROHA BHAWAN ROAD RATERIA COMPLEX GAURI SHANKAR CHOWK DIST RAIGARH CHHATTISGARH 496001. It serves the Raigarh 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 HDFC0005081 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 GAURI SHANKAR CHOWK branch came to be assigned the code HDFC0005081.

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 HDFC0005081, money simply cannot be routed to the GAURI SHANKAR CHOWK branch electronically.

Products and account variants supported

Every account opened at the Gauri Shankar Chowk branch is mapped to IFSC HDFC0005081 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 HDFC0005081.

Products and services

Customers walking into the Gauri Shankar Chowk 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 HDFC0005081

How to transfer money using IFSC HDFC0005081

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 HDFC0005081 across all three.

How to use IFSC HDFC0005081 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's GAURI SHANKAR CHOWK 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0005081.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as GAURI SHANKAR CHOWK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0005081

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 – GAURI SHANKAR CHOWK, ensure your bank's portal accepts IFSC HDFC0005081 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – GAURI SHANKAR CHOWK, use IMPS. With IFSC HDFC0005081 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 Gauri Shankar Chowk

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 HDFC0005081:

• 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 GAURI SHANKAR CHOWK is still linked to IFSC HDFC0005081.

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.

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 GAURI SHANKAR CHOWK branch, the IFSC HDFC0005081 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.

Online banking and IFSC HDFC0005081

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the GAURI SHANKAR CHOWK 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 HDFC0005081 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.

MICR & cheque-truncation details

Cheques drawn on the Gauri Shankar Chowk branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0005081 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – GAURI SHANKAR CHOWK:

• The IFSC is exactly HDFC0005081 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 GAURI SHANKAR CHOWK 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 Gauri Shankar Chowk branch

The branch is located at HDFC BANK LTD GRD AND 1ST FLOOR AGROHA BHAWAN ROAD RATERIA COMPLEX GAURI SHANKAR CHOWK DIST RAIGARH CHHATTISGARH 496001, which puts it inside Raigarh, the broader Raigarh district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Gauri Shankar Chowk branch” — the verified location pin for IFSC HDFC0005081 should appear at the top of the results.
2. Confirm the branch is open by calling 1800-2026161 before stepping out, especially around public holidays.
3. 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 HDFC0005081 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0005081 for HDFC Bank – GAURI SHANKAR CHOWK, 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 Gauri Shankar Chowk 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 HDFC0005081 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0005081 is the IFSC code of HDFC Bank, GAURI SHANKAR CHOWK branch, in RAIGARH, CHHATTISGARH. 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.