IFSC Code of HDFC Bank, Seraikela Branch, Jharkhand

If you are searching for the IFSC code of HDFC Bank, SERAIKELA branch in SERAIKELA, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is HDFC0004197. 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 SERAIKELA branch, and detailed step-by-step guides for using the IFSC HDFC0004197 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 – SERAIKELA is HDFC0004197. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004197 map to this branch in SERAIKELA, JHARKHAND.

Branch details at a glance

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Seraikela branch in Seraikela. 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, HDFC0004197.

Seraikela branch overview

Located at SHYAMKUNJ GARAGE CHOWK SARAIKELA THANA ROAD WARD NO 8 SARAIKELA KHARSAWAN SERAIKELA JHARKHAND 833219, the Seraikela branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0004197 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 SERAIKELA branch came to be assigned the code HDFC0004197.

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 HDFC0004197, money simply cannot be routed to the SERAIKELA branch electronically.

How to transfer money using IFSC HDFC0004197

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 HDFC0004197 across all three.

How to use IFSC HDFC0004197 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's SERAIKELA 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 HDFC0004197.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as SERAIKELA.
5. 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 SERAIKELA

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's SERAIKELA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0004197 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank SERAIKELA (IFSC HDFC0004197)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0004197 in your mobile or internet banking app, and the money is credited to the SERAIKELA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Seraikela

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 HDFC0004197:

• 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 SERAIKELA is still linked to IFSC HDFC0004197.

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 SERAIKELA branch, the IFSC HDFC0004197 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 Seraikela branch

Once you have an account at HDFC Bank – SERAIKELA, the IFSC HDFC0004197 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 Seraikela branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2666161.

• 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 HDFC0004197

MICR & cheque-truncation details

Cheques drawn on the Seraikela branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0004197 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC HDFC0004197

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the SERAIKELA 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 HDFC0004197 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.

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 – SERAIKELA:

• The IFSC is exactly HDFC0004197 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 SERAIKELA 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.

How to reach the Seraikela branch

The branch is located at SHYAMKUNJ GARAGE CHOWK SARAIKELA THANA ROAD WARD NO 8 SARAIKELA KHARSAWAN SERAIKELA JHARKHAND 833219, which puts it inside Seraikela, the broader Saraikela Kharsawan district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Seraikela branch” — the verified location pin for IFSC HDFC0004197 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2666161 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC HDFC0004197 and your account number.

Verifying IFSC HDFC0004197 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 HDFC0004197 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1860-2666161.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Seraikela 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 HDFC0004197 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0004197 belongs to HDFC Bank's SERAIKELA branch, located at SHYAMKUNJ GARAGE CHOWK SARAIKELA THANA ROAD WARD NO 8 SARAIKELA KHARSAWAN… in SERAIKELA, JHARKHAND. 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.