IFSC Code of HDFC Bank, Cl Ring Road Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, CL RING ROAD branch in RAJKOT. The 11-digit IFSC HDFC0009028 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the CL RING ROAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – CL RING ROAD is HDFC0009028. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009028 map to this branch in RAJKOT, GUJARAT.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Cl Ring Road branch in Rajkot. 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, HDFC0009028.

About the Cl Ring Road branch

The Cl Ring Road branch of HDFC Bank is situated at OPERA DREAM NEAR BALAJI HALL CHOWK150 FEET RING ROAD RAJKOT GUJARAT 360005. 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 HDFC0009028 is used.

Branch details at a glance

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 CL RING ROAD of HDFC Bank — its own 11-character IFSC. The code HDFC0009028 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 HDFC0009028 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Cl Ring Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0009028 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC HDFC0009028

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 HDFC0009028 across all three.

How to use IFSC HDFC0009028 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's CL RING ROAD 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 HDFC0009028.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as CL RING ROAD.
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 HDFC0009028

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 – CL RING ROAD, ensure your bank's portal accepts IFSC HDFC0009028 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank CL RING ROAD (IFSC HDFC0009028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009028 in your mobile or internet banking app, and the money is credited to the CL RING ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Cl Ring Road

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 HDFC0009028:

• 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 CL RING ROAD is still linked to IFSC HDFC0009028.

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 HDFC0009028

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 – CL RING ROAD is still mapped to IFSC HDFC0009028. 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 HDFC0009028 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Cl Ring Road branch is mapped to IFSC HDFC0009028 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 HDFC0009028.

Products and services

Customers walking into the Cl Ring Road 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 HDFC0009028

Digital banking channels

Most day-to-day work that customers used to do at the Cl Ring Road 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 HDFC0009028 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.

Reaching the branch

The Cl Ring Road branch sits at OPERA DREAM NEAR BALAJI HALL CHOWK150 FEET RING ROAD RAJKOT GUJARAT 360005. If you are travelling from outside Rajkot, search for the branch on a maps application using the bank name and locality, or call 91-9898271111 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 HDFC0009028 and your account number.

Common mistakes to avoid when using IFSC HDFC0009028

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 – CL RING ROAD, 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: HDFC0009028.
• 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.

Working hours

Branch counters at Cl Ring Road 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 HDFC0009028 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0009028 for HDFC Bank – CL RING ROAD, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0009028 is the IFSC code of HDFC Bank, CL RING ROAD branch, in RAJKOT, GUJARAT. 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.