IFSC Code of HDFC Bank, Arabal Inderhama Branch, Jammu and Kashmir

If you are searching for the IFSC code of HDFC Bank, ARABAL INDERHAMA branch in SRINAGAR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is HDFC0009862. 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 ARABAL INDERHAMA branch, and detailed step-by-step guides for using the IFSC HDFC0009862 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.

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 ARABAL INDERHAMA branch, the IFSC HDFC0009862 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 009862 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 Arabal Inderhama branch in Srinagar, Jammu and Kashmir is part of this network and uses the IFSC code HDFC0009862 for all electronic settlement.

Arabal Inderhama branch overview

Located at HDFC BANK LTD GRD AND 1ST FLOOR MAIN ROAD ARABAL INDERHAMA SHALIMAR SRINAGAR JAMMU AND KASHMIR 191123, the Arabal Inderhama branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0009862 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 ARABAL INDERHAMA branch came to be assigned the code HDFC0009862.

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 HDFC0009862, money simply cannot be routed to the ARABAL INDERHAMA 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 HDFC0009862 and the account number together uniquely identify the Arabal Inderhama branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC HDFC0009862

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 HDFC0009862 across all three.

NEFT to HDFC Bank, ARABAL INDERHAMA using IFSC HDFC0009862

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 HDFC0009862, and confirm that the system picks up HDFC Bank – ARABAL INDERHAMA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0009862

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 – ARABAL INDERHAMA, ensure your bank's portal accepts IFSC HDFC0009862 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank ARABAL INDERHAMA (IFSC HDFC0009862)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0009862 in your mobile or internet banking app, and the money is credited to the ARABAL INDERHAMA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Arabal Inderhama

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 HDFC0009862:

• 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 ARABAL INDERHAMA is still linked to IFSC HDFC0009862.

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 HDFC0009862

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 – ARABAL INDERHAMA is still mapped to IFSC HDFC0009862. 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 HDFC0009862 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Arabal Inderhama branch is mapped to IFSC HDFC0009862 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 HDFC0009862.

Products and services

Customers walking into the Arabal Inderhama 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 HDFC0009862

Digital banking channels

Most day-to-day work that customers used to do at the Arabal Inderhama 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 HDFC0009862 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.

How to reach the Arabal Inderhama branch

The branch is located at HDFC BANK LTD GRD AND 1ST FLOOR MAIN ROAD ARABAL INDERHAMA SHALIMAR SRINAGAR JAMMU AND KASHMIR 191123, which puts it inside Srinagar, the broader Srinagar district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Arabal Inderhama branch” — the verified location pin for IFSC HDFC0009862 should appear at the top of the results.
2. Confirm the branch is open by calling 1800-2026161 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 HDFC0009862 and your account number.

Common mistakes to avoid when using IFSC HDFC0009862

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to HDFC Bank – ARABAL INDERHAMA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: HDFC0009862.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Arabal Inderhama branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0009862, however, work 24x7.

Verifying IFSC HDFC0009862 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 HDFC0009862 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1800-2026161.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0009862 is the IFSC code of HDFC Bank, ARABAL INDERHAMA branch, in SRINAGAR, JAMMU AND KASHMIR. 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.