Use this page as a one-stop reference for everything related to HDFC Bank's CITYLIGHT branch in SURAT, GUJARAT. The branch's IFSC code HDFC0001008 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, HDFC0001008 is the IFSC of HDFC Bank's CITYLIGHT branch. The format is fixed: HDFC = bank code, 0 = reserved, 001008 = branch identifier.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Citylight branch in Surat, Gujarat is part of this network and uses the IFSC code HDFC0001008 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Citylight |
| IFSC Code | HDFC0001008 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR AND FIRST FLOOR,AALISHAN APPT.NEAR MAHAVIR BHAGVAN,CITYLIGHT |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9898271111 |
About this branch
The branch is located at GROUND FLOOR AND FIRST FLOOR,AALISHAN APPT.NEAR MAHAVIR BHAGVAN,CITYLIGHT. It serves the Surat 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 HDFC0001008 is used to identify this branch on the RBI payments network.
Why every HDFC Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CITYLIGHT of HDFC Bank — its own 11-character IFSC. The code HDFC0001008 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC HDFC0001008 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Citylight branch
Once you have an account at HDFC Bank – CITYLIGHT, the IFSC HDFC0001008 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 Citylight branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9898271111.
- 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 HDFC0001008
How to transfer money using IFSC HDFC0001008
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 HDFC0001008 across all three.
How to use IFSC HDFC0001008 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's CITYLIGHT 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 HDFC0001008.
- Confirm the bank name auto-populates as HDFC Bank and the branch as CITYLIGHT.
- 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 CITYLIGHT
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's CITYLIGHT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0001008 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 – CITYLIGHT, use IMPS. With IFSC HDFC0001008 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0001008 for HDFC Bank – CITYLIGHT, 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 – HDFC0001008 | Yes – HDFC0001008 | Yes – HDFC0001008 |
For most retail customers crediting the Citylight 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 HDFC0001008
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 – CITYLIGHT is still mapped to IFSC HDFC0001008. 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 HDFC0001008 and the beneficiary's account number to complete the transfer.
Online banking and IFSC HDFC0001008
HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the CITYLIGHT 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 HDFC0001008 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.
MICR & cheque-truncation details
Cheques drawn on the Citylight branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0001008 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – CITYLIGHT:
- The IFSC is exactly HDFC0001008 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 CITYLIGHT 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 Citylight branch
The branch is located at GROUND FLOOR AND FIRST FLOOR,AALISHAN APPT.NEAR MAHAVIR BHAGVAN,CITYLIGHT, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Citylight branch” — the verified location pin for IFSC HDFC0001008 should appear at the top of the results.
- Confirm the branch is open by calling 91-9898271111 before stepping out, especially around public holidays.
- 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 HDFC0001008 and your account number.
Verifying IFSC HDFC0001008 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 HDFC0001008 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9898271111.
- 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 Citylight branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0001008, however, work 24x7.
Branch address & contact
HDFC BankCitylight Branch
GROUND FLOOR AND FIRST FLOOR,AALISHAN APPT.NEAR MAHAVIR BHAGVAN,CITYLIGHT
Surat, Gujarat
Phone: 91-9898271111
IFSC: HDFC0001008
Frequently asked questions
How do I add HDFC Bank Citylight as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0001008, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC HDFC0001008 valid for NEFT and RTGS?
Yes. IFSC HDFC0001008 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does HDFC Bank Citylight branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9898271111 to confirm.
Where is HDFC Bank Citylight branch located?
HDFC Bank's Citylight branch is located at GROUND FLOOR AND FIRST FLOOR,AALISHAN APPT.NEAR MAHAVIR BHAGVAN,CITYLIGHT, Surat, Gujarat.
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 Citylight branch but serve different purposes.
Can I use IFSC HDFC0001008 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001008 to send funds instantly.
What is the IFSC code of HDFC Bank Citylight branch?
The IFSC code of HDFC Bank, Citylight branch is HDFC0001008. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC HDFC0001008 the same for all accounts at Citylight branch?
Yes. The IFSC HDFC0001008 is shared by every account held at HDFC Bank's Citylight branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0001008 is the IFSC code of HDFC Bank, CITYLIGHT branch, in SURAT, GUJARAT. 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.
