Below are the complete branch details for HDFC Bank, SANTOSHI NAGAR RAIPUR branch, located in RAIPUR, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0004954. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0004954 for HDFC Bank – SANTOSHI NAGAR RAIPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 SANTOSHI NAGAR RAIPUR branch, the IFSC HDFC0004954 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 004954 identifies this particular branch.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Santoshi Nagar Raipur |
| IFSC Code | HDFC0004954 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR PURANA DHAMTARI RD CHANDRASHEKHAR AZAD WARD KHASRA NO 178 8 178 16 SANTOSHI NAGAR RAIPUR CHHATTISGARH 492001 |
| City | Raipur |
| District | Raipur |
| State | Chhattisgarh |
| 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 Santoshi Nagar Raipur branch in Raipur, Chhattisgarh is part of this network and uses the IFSC code HDFC0004954 for all electronic settlement.
Santoshi Nagar Raipur branch overview
Located at GR FLR PURANA DHAMTARI RD CHANDRASHEKHAR AZAD WARD KHASRA NO 178 8 178 16 SANTOSHI NAGAR RAIPUR CHHATTISGARH 492001, the Santoshi Nagar Raipur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0004954 is required for all interbank electronic transfers routed through this branch.
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 SANTOSHI NAGAR RAIPUR branch came to be assigned the code HDFC0004954.
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 HDFC0004954, money simply cannot be routed to the SANTOSHI NAGAR RAIPUR branch electronically.
How to transfer money using IFSC HDFC0004954
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 HDFC0004954 across all three.
NEFT to HDFC Bank, SANTOSHI NAGAR RAIPUR using IFSC HDFC0004954
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 HDFC0004954, and confirm that the system picks up HDFC Bank – SANTOSHI NAGAR RAIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SANTOSHI NAGAR RAIPUR
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's SANTOSHI NAGAR RAIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0004954 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank SANTOSHI NAGAR RAIPUR (IFSC HDFC0004954)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004954 in your mobile or internet banking app, and the money is credited to the SANTOSHI NAGAR RAIPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0004954 for HDFC Bank – SANTOSHI NAGAR RAIPUR, 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 – HDFC0004954 | Yes – HDFC0004954 | Yes – HDFC0004954 |
For most retail customers crediting the Santoshi Nagar Raipur 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 HDFC0004954
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 – SANTOSHI NAGAR RAIPUR is still mapped to IFSC HDFC0004954. 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 HDFC0004954 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Santoshi Nagar Raipur branch is mapped to IFSC HDFC0004954 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 HDFC0004954.
Banking services available
The Santoshi Nagar Raipur 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 HDFC0004954
MICR & cheque-truncation details
Cheques drawn on the Santoshi Nagar Raipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004954 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC HDFC0004954
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SANTOSHI NAGAR RAIPUR 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 HDFC0004954 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.
Common mistakes to avoid when using IFSC HDFC0004954
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 – SANTOSHI NAGAR RAIPUR, 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:
HDFC0004954. - 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 Santoshi Nagar Raipur branch
The branch is located at GR FLR PURANA DHAMTARI RD CHANDRASHEKHAR AZAD WARD KHASRA NO 178 8 178 16 SANTOSHI NAGAR RAIPUR CHHATTISGARH 492001, which puts it inside Raipur, the broader Raipur district, and the state of Chhattisgarh. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Santoshi Nagar Raipur branch” — the verified location pin for IFSC HDFC0004954 should appear at the top of the results.
- Confirm the branch is open by calling 1800-2026161 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 HDFC0004954 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0004954 for HDFC Bank – SANTOSHI NAGAR RAIPUR, 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 Santoshi Nagar Raipur 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 HDFC0004954 continue to work without interruption.
Branch address & contact
HDFC BankSantoshi Nagar Raipur Branch
GR FLR PURANA DHAMTARI RD CHANDRASHEKHAR AZAD WARD KHASRA NO 178 8 178 16 SANTOSHI NAGAR RAIPUR CHHATTISGARH 492001
Raipur, Chhattisgarh
Phone: 1800-2026161
IFSC: HDFC0004954
Frequently asked questions
Where is HDFC Bank Santoshi Nagar Raipur branch located?
HDFC Bank's Santoshi Nagar Raipur branch is located at GR FLR PURANA DHAMTARI RD CHANDRASHEKHAR AZAD WARD KHASRA NO 178 8 178 16 SANTOSHI NAGAR RAIPUR CHHATTISGARH 492001, Raipur, Chhattisgarh.
How quickly will an NEFT transfer using HDFC0004954 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Santoshi Nagar Raipur reflect within 30 minutes.
How do I add HDFC Bank Santoshi Nagar Raipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0004954, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0004954 valid for NEFT and RTGS?
Yes. IFSC HDFC0004954 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of HDFC Bank Santoshi Nagar Raipur branch?
The IFSC code of HDFC Bank, Santoshi Nagar Raipur branch is HDFC0004954. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does HDFC Bank Santoshi Nagar Raipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800-2026161 to confirm.
Summary
The IFSC code HDFC0004954 belongs to HDFC Bank's SANTOSHI NAGAR RAIPUR branch, located at GR FLR PURANA DHAMTARI RD CHANDRASHEKHAR AZAD WARD KHASRA NO 178 8 178 16… in RAIPUR, CHHATTISGARH. 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.
