This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, NOWGRAM, SRINAGAR branch in SRINAGAR. The 11-digit IFSC HDFC0002482 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HDFC Bank at the NOWGRAM, SRINAGAR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, HDFC0002482 is the IFSC of HDFC Bank's NOWGRAM, SRINAGAR branch. The format is fixed: HDFC = bank code, 0 = reserved, 002482 = branch identifier.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nowgram, Srinagar branch — IFSC HDFC0002482 — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.
About the Nowgram, Srinagar branch
The Nowgram, Srinagar branch of HDFC Bank is situated at HDFC BANK LTD. MUGHAL PLAZA, NEAR J AND K AUTOMOBILES, NOWGAM SRINAGAR JAMMU AND KASHMIR 190015. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code HDFC0002482 is used.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Nowgram, Srinagar |
| IFSC Code | HDFC0002482 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD. MUGHAL PLAZA, NEAR J AND K AUTOMOBILES, NOWGAM SRINAGAR JAMMU AND KASHMIR 190015 |
| City | Srinagar |
| District | Srinagar |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 8001804333 |
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 NOWGRAM, SRINAGAR branch came to be assigned the code HDFC0002482.
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 HDFC0002482, money simply cannot be routed to the NOWGRAM, SRINAGAR 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 HDFC0002482 and the account number together uniquely identify the Nowgram, Srinagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0002482
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 HDFC0002482 across all three.
NEFT to HDFC Bank, NOWGRAM, SRINAGAR using IFSC HDFC0002482
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 HDFC0002482, and confirm that the system picks up HDFC Bank – NOWGRAM, SRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NOWGRAM, SRINAGAR
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NOWGRAM, SRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0002482 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank NOWGRAM, SRINAGAR (IFSC HDFC0002482)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0002482 in your mobile or internet banking app, and the money is credited to the NOWGRAM, SRINAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0002482 for HDFC Bank – NOWGRAM, SRINAGAR, 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 – HDFC0002482 | Yes – HDFC0002482 | Yes – HDFC0002482 |
For most retail customers crediting the Nowgram, Srinagar 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 HDFC0002482
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 – NOWGRAM, SRINAGAR is still mapped to IFSC HDFC0002482. 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 HDFC0002482 and the beneficiary's account number to complete the transfer.
Account types you can open at the Nowgram, Srinagar branch
Once you have an account at HDFC Bank – NOWGRAM, SRINAGAR, the IFSC HDFC0002482 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 Nowgram, Srinagar 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 HDFC0002482
Online banking and IFSC HDFC0002482
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the NOWGRAM, SRINAGAR 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 HDFC0002482 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 Nowgram, Srinagar branch sits at HDFC BANK LTD. MUGHAL PLAZA, NEAR J AND K AUTOMOBILES, NOWGAM SRINAGAR JAMMU AND KASHMIR 190015. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 91-8001804333 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 HDFC0002482 and your account number.
Common mistakes to avoid when using IFSC HDFC0002482
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 – NOWGRAM, SRINAGAR, 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:
HDFC0002482. - 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 Nowgram, Srinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0002482, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0002482 for HDFC Bank – NOWGRAM, SRINAGAR, 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.
Branch address & contact
HDFC BankNowgram, Srinagar Branch
HDFC BANK LTD. MUGHAL PLAZA, NEAR J AND K AUTOMOBILES, NOWGAM SRINAGAR JAMMU AND KASHMIR 190015
Srinagar, Jammu and Kashmir
Phone: 91-8001804333
IFSC: HDFC0002482
Frequently asked questions
Does HDFC Bank Nowgram, Srinagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8001804333 to confirm.
What is the phone number of HDFC Bank Nowgram, Srinagar branch?
You can reach the branch at 91-8001804333 during regular banking hours.
Is IFSC HDFC0002482 the same for all accounts at Nowgram, Srinagar branch?
Yes. The IFSC HDFC0002482 is shared by every account held at HDFC Bank's Nowgram, Srinagar branch. Only the account number changes from customer to customer.
Is IFSC HDFC0002482 valid for NEFT and RTGS?
Yes. IFSC HDFC0002482 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Nowgram, Srinagar branch but serve different purposes.
How do I add HDFC Bank Nowgram, Srinagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0002482, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Nowgram, Srinagar branch?
The IFSC code of HDFC Bank, Nowgram, Srinagar branch is HDFC0002482. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using HDFC0002482 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Nowgram, Srinagar reflect within 30 minutes.
Summary
The IFSC code HDFC0002482 belongs to HDFC Bank's NOWGRAM, SRINAGAR branch, located at HDFC BANK LTD. MUGHAL PLAZA, NEAR J AND K AUTOMOBILES, NOWGAM SRINAGAR JAMMU… in SRINAGAR, JAMMU AND KASHMIR. 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.
