Below are the complete branch details for HDFC Bank, RATLAM-MADHYA PRADESH branch, located in RATLAM, MADHYA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0000475. 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 HDFC0000475 for HDFC Bank – RATLAM-MADHYA PRADESH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – RATLAM-MADHYA PRADESH is HDFC0000475. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000475 map to this branch in RATLAM, MADHYA PRADESH.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ratlam-Madhya Pradesh branch — IFSC HDFC0000475 — extends the bank's services to customers in and around Ratlam, Madhya Pradesh.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Ratlam-Madhya Pradesh |
| IFSC Code | HDFC0000475 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 90, STATION ROAD, RATLAM, MADHYA PRADESH - 457001 |
| City | Ratlam |
| District | Ratlam |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 9893603333 |
About this branch
The branch is located at 90, STATION ROAD, RATLAM, MADHYA PRADESH - 457001. It serves the Ratlam 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 HDFC0000475 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 RATLAM-MADHYA PRADESH branch came to be assigned the code HDFC0000475.
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 HDFC0000475, money simply cannot be routed to the RATLAM-MADHYA PRADESH branch electronically.
Products and account variants supported
Every account opened at the Ratlam-Madhya Pradesh branch is mapped to IFSC HDFC0000475 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 HDFC0000475.
Products and services
Customers walking into the Ratlam-Madhya Pradesh 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 HDFC0000475
How to transfer money using IFSC HDFC0000475
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 HDFC0000475 across all three.
NEFT to HDFC Bank, RATLAM-MADHYA PRADESH using IFSC HDFC0000475
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 HDFC0000475, and confirm that the system picks up HDFC Bank – RATLAM-MADHYA PRADESH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RATLAM-MADHYA PRADESH
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's RATLAM-MADHYA PRADESH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0000475 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank RATLAM-MADHYA PRADESH (IFSC HDFC0000475)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0000475 in your mobile or internet banking app, and the money is credited to the RATLAM-MADHYA PRADESH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ratlam-Madhya Pradesh
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 HDFC0000475:
- 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 RATLAM-MADHYA PRADESH is still linked to IFSC HDFC0000475.
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 HDFC0000475
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 – RATLAM-MADHYA PRADESH is still mapped to IFSC HDFC0000475. 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 HDFC0000475 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0000475
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the RATLAM-MADHYA PRADESH 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 HDFC0000475 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 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 HDFC0000475 and the account number together uniquely identify the Ratlam-Madhya Pradesh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – RATLAM-MADHYA PRADESH:
- The IFSC is exactly HDFC0000475 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 RATLAM-MADHYA PRADESH 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 Ratlam-Madhya Pradesh branch sits at 90, STATION ROAD, RATLAM, MADHYA PRADESH - 457001. If you are travelling from outside Ratlam, search for the branch on a maps application using the bank name and locality, or call 91-9893603333 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 HDFC0000475 and your account number.
Verifying IFSC HDFC0000475 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 HDFC0000475 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9893603333.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ratlam-Madhya Pradesh 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 HDFC0000475 continue to work without interruption.
Branch address & contact
HDFC BankRatlam-Madhya Pradesh Branch
90, STATION ROAD, RATLAM, MADHYA PRADESH - 457001
Ratlam, Madhya Pradesh
Phone: 91-9893603333
IFSC: HDFC0000475
Frequently asked questions
How quickly will an NEFT transfer using HDFC0000475 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Ratlam-Madhya Pradesh reflect within 30 minutes.
Can I use IFSC HDFC0000475 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0000475 to send funds instantly.
How do I add HDFC Bank Ratlam-Madhya Pradesh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000475, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of HDFC Bank Ratlam-Madhya Pradesh branch?
You can reach the branch at 91-9893603333 during regular banking hours.
Is IFSC HDFC0000475 valid for NEFT and RTGS?
Yes. IFSC HDFC0000475 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Ratlam-Madhya Pradesh branch located?
HDFC Bank's Ratlam-Madhya Pradesh branch is located at 90, STATION ROAD, RATLAM, MADHYA PRADESH - 457001, Ratlam, Madhya Pradesh.
What is the IFSC code of HDFC Bank Ratlam-Madhya Pradesh branch?
The IFSC code of HDFC Bank, Ratlam-Madhya Pradesh branch is HDFC0000475. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code HDFC0000475 belongs to HDFC Bank's RATLAM-MADHYA PRADESH branch, located at 90, STATION ROAD, RATLAM, MADHYA PRADESH - 457001 in RATLAM, MADHYA PRADESH. 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.
