Below are the complete branch details for HDFC Bank, SAPHALE branch, located in SAPHALA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0002864. 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 HDFC0002864 for HDFC Bank – SAPHALE — 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 SAPHALE branch, the IFSC HDFC0002864 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 002864 identifies this particular branch.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Saphale branch in Saphala, Maharashtra is part of this network and uses the IFSC code HDFC0002864 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR, SHOP NO 3,4,5,AND 6, SWASTIK PARK, SAFALE-PA LGAHR ROAD, SAPHALE, TALUKA - PALGHAR THANE MAHARASHTRA 401102. It serves the Saphala 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 HDFC0002864 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Saphale |
| IFSC Code | HDFC0002864 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHOP NO 3,4,5,AND 6, SWASTIK PARK, SAFALE-PA LGAHR ROAD, SAPHALE, TALUKA - PALGHAR THANE MAHARASHTRA 401102 |
| City | Saphala |
| District | Thane |
| State | Maharashtra |
| STD Code | 91 |
| Phone | 9890603333 |
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 SAPHALE branch came to be assigned the code HDFC0002864.
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 HDFC0002864, money simply cannot be routed to the SAPHALE branch electronically.
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 HDFC0002864 and the account number together uniquely identify the Saphale branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0002864
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 HDFC0002864 across all three.
How to use IFSC HDFC0002864 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's SAPHALE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC HDFC0002864.
- Confirm the bank name auto-populates as HDFC Bank and the branch as SAPHALE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SAPHALE
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's SAPHALE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0002864 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank SAPHALE (IFSC HDFC0002864)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0002864 in your mobile or internet banking app, and the money is credited to the SAPHALE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0002864 for HDFC Bank – SAPHALE, 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 – HDFC0002864 | Yes – HDFC0002864 | Yes – HDFC0002864 |
For most retail customers crediting the Saphale 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 HDFC0002864
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 – SAPHALE is still mapped to IFSC HDFC0002864. 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 HDFC0002864 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Saphale branch is mapped to IFSC HDFC0002864 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 HDFC0002864.
Products and services
Customers walking into the Saphale 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 HDFC0002864
Online banking and IFSC HDFC0002864
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SAPHALE 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 HDFC0002864 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.
Reaching the branch
The Saphale branch sits at GROUND FLOOR, SHOP NO 3,4,5,AND 6, SWASTIK PARK, SAFALE-PA LGAHR ROAD, SAPHALE, TALUKA - PALGHAR THANE MAHARASHTRA 401102. If you are travelling from outside Saphala, 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 HDFC0002864 and your account number.
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 – SAPHALE:
- The IFSC is exactly HDFC0002864 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 SAPHALE 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.
Working hours
Branch counters at Saphale 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 HDFC0002864 continue to work without interruption.
Verifying IFSC HDFC0002864 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 HDFC0002864 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9890603333.
- Visiting the bank's official branch locator page.
Branch address & contact
HDFC BankSaphale Branch
GROUND FLOOR, SHOP NO 3,4,5,AND 6, SWASTIK PARK, SAFALE-PA LGAHR ROAD, SAPHALE, TALUKA - PALGHAR THANE MAHARASHTRA 401102
Saphala, Maharashtra
Phone: 91-9890603333
IFSC: HDFC0002864
Frequently asked questions
How quickly will an NEFT transfer using HDFC0002864 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Saphale reflect within 30 minutes.
What is the IFSC code of HDFC Bank Saphale branch?
The IFSC code of HDFC Bank, Saphale branch is HDFC0002864. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Saphale branch but serve different purposes.
Is IFSC HDFC0002864 the same for all accounts at Saphale branch?
Yes. The IFSC HDFC0002864 is shared by every account held at HDFC Bank's Saphale branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Saphale as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002864, and complete OTP verification. Once activated, you can transfer funds at any time.
Does HDFC Bank Saphale branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9890603333 to confirm.
Where is HDFC Bank Saphale branch located?
HDFC Bank's Saphale branch is located at GROUND FLOOR, SHOP NO 3,4,5,AND 6, SWASTIK PARK, SAFALE-PA LGAHR ROAD, SAPHALE, TALUKA - PALGHAR THANE MAHARASHTRA 401102, Saphala, Maharashtra.
What is the phone number of HDFC Bank Saphale branch?
You can reach the branch at 91-9890603333 during regular banking hours.
Final notes
To recap: HDFC0002864 is the IFSC code of HDFC Bank, SAPHALE branch, in SAPHALA, MAHARASHTRA. 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.
