IFSC Code of HDFC Bank, Shirgaon Branch, Maharashtra

If you are searching for the IFSC code of HDFC Bank, SHIRGAON branch in RATNAGIRI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is HDFC0003498. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SHIRGAON branch, and detailed step-by-step guides for using the IFSC HDFC0003498 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – SHIRGAON is HDFC0003498. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003498 map to this branch in RATNAGIRI, MAHARASHTRA.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Shirgaon branch in Ratnagiri. 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, HDFC0003498.

Branch details at a glance

Shirgaon branch overview

Located at SHOP NO. 7,8,9 . GROUND FLOOR, BELOW GRAMPANCHYAT OFFICE,SHIRGAON RATNAGIRI MAHARASHTRA 415629, the Shirgaon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0003498 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 SHIRGAON of HDFC Bank — its own 11-character IFSC. The code HDFC0003498 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 HDFC0003498 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Shirgaon branch

Once you have an account at HDFC Bank – SHIRGAON, the IFSC HDFC0003498 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Shirgaon 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 HDFC0003498

How to transfer money using IFSC HDFC0003498

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 HDFC0003498 across all three.

NEFT to HDFC Bank, SHIRGAON using IFSC HDFC0003498

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 HDFC0003498, and confirm that the system picks up HDFC Bank – SHIRGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0003498

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 – SHIRGAON, ensure your bank's portal accepts IFSC HDFC0003498 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – SHIRGAON, use IMPS. With IFSC HDFC0003498 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 Shirgaon

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 HDFC0003498:

• 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 SHIRGAON is still linked to IFSC HDFC0003498.

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 HDFC0003498

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 – SHIRGAON is still mapped to IFSC HDFC0003498. 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 HDFC0003498 and the beneficiary's account number to complete the transfer.

Online banking and IFSC HDFC0003498

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SHIRGAON 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 HDFC0003498 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 Shirgaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0003498 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 – SHIRGAON:

• The IFSC is exactly HDFC0003498 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 SHIRGAON 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 Shirgaon branch sits at SHOP NO. 7,8,9 . GROUND FLOOR, BELOW GRAMPANCHYAT OFFICE,SHIRGAON RATNAGIRI MAHARASHTRA 415629. If you are travelling from outside Ratnagiri, search for the branch on a maps application using the bank name and locality, or call 91-9890603333 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 HDFC0003498 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0003498 for HDFC Bank – SHIRGAON, 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 Shirgaon 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 HDFC0003498 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0003498 belongs to HDFC Bank's SHIRGAON branch, located at SHOP NO. 7,8,9 . GROUND FLOOR, BELOW GRAMPANCHYAT OFFICE,SHIRGAON RATNAGIRI… in RATNAGIRI, MAHARASHTRA. 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.