Below are the complete branch details for HDFC Bank, NARUGRAM branch, located in SAGRAI, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0003484. 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 HDFC0003484 for HDFC Bank – NARUGRAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, HDFC0003484 is the IFSC of HDFC Bank's NARUGRAM branch. The format is fixed: HDFC = bank code, 0 = reserved, 003484 = branch identifier.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Narugram |
| IFSC Code | HDFC0003484 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD VILLAGE-BABRACPUR, CANALPOOL, PO-SAGRAI, PS-RAINA, DIST-BURDWAN, NARUGRAM WEST BENGAL 713424 |
| City | Sagrai |
| District | Barddhaman |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9831073333 |
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Narugram branch in Sagrai, West Bengal is part of this network and uses the IFSC code HDFC0003484 for all electronic settlement.
Narugram branch overview
Located at HDFC BANK LTD VILLAGE-BABRACPUR, CANALPOOL, PO-SAGRAI, PS-RAINA, DIST-BURDWAN, NARUGRAM WEST BENGAL 713424, the Narugram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0003484 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 NARUGRAM branch came to be assigned the code HDFC0003484.
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 HDFC0003484, money simply cannot be routed to the NARUGRAM branch electronically.
How to transfer money using IFSC HDFC0003484
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 HDFC0003484 across all three.
NEFT to HDFC Bank, NARUGRAM using IFSC HDFC0003484
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 HDFC0003484, and confirm that the system picks up HDFC Bank – NARUGRAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NARUGRAM
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NARUGRAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003484 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to HDFC Bank – NARUGRAM, use IMPS. With IFSC HDFC0003484 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 Narugram
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 HDFC0003484:
- 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 NARUGRAM is still linked to IFSC HDFC0003484.
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 NARUGRAM branch, the IFSC HDFC0003484 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.
Account types you can open at the Narugram branch
Once you have an account at HDFC Bank – NARUGRAM, the IFSC HDFC0003484 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.
Banking services available
The Narugram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9831073333.
- 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 HDFC0003484
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 HDFC0003484 and the account number together uniquely identify the Narugram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Narugram 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 HDFC0003484 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.
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 – NARUGRAM:
- The IFSC is exactly HDFC0003484 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 NARUGRAM 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 Narugram branch sits at HDFC BANK LTD VILLAGE-BABRACPUR, CANALPOOL, PO-SAGRAI, PS-RAINA, DIST-BURDWAN, NARUGRAM WEST BENGAL 713424. If you are travelling from outside Sagrai, search for the branch on a maps application using the bank name and locality, or call 91-9831073333 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 HDFC0003484 and your account number.
Verifying IFSC HDFC0003484 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 HDFC0003484 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9831073333.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Narugram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0003484, however, work 24x7.
Branch address & contact
HDFC BankNarugram Branch
HDFC BANK LTD VILLAGE-BABRACPUR, CANALPOOL, PO-SAGRAI, PS-RAINA, DIST-BURDWAN, NARUGRAM WEST BENGAL 713424
Sagrai, West Bengal
Phone: 91-9831073333
IFSC: HDFC0003484
Frequently asked questions
How do I add HDFC Bank Narugram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003484, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Narugram branch but serve different purposes.
What is the IFSC code of HDFC Bank Narugram branch?
The IFSC code of HDFC Bank, Narugram branch is HDFC0003484. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of HDFC Bank Narugram branch?
You can reach the branch at 91-9831073333 during regular banking hours.
How quickly will an NEFT transfer using HDFC0003484 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Narugram reflect within 30 minutes.
Is IFSC HDFC0003484 the same for all accounts at Narugram branch?
Yes. The IFSC HDFC0003484 is shared by every account held at HDFC Bank's Narugram branch. Only the account number changes from customer to customer.
Does HDFC Bank Narugram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9831073333 to confirm.
Summary
The IFSC code HDFC0003484 belongs to HDFC Bank's NARUGRAM branch, located at HDFC BANK LTD VILLAGE-BABRACPUR, CANALPOOL, PO-SAGRAI, PS-RAINA, DIST-BURDWAN,… in SAGRAI, WEST BENGAL. 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.
