IFSC Code of HDFC Bank, Lajamani Chowk Mota Varachha Branch, Gujarat

Use this page as a one-stop reference for everything related to HDFC Bank's LAJAMANI CHOWK MOTA VARACHHA branch in SURAT, GUJARAT. The branch's IFSC code HDFC0007905 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, HDFC0007905 is the IFSC of HDFC Bank's LAJAMANI CHOWK MOTA VARACHHA branch. The format is fixed: HDFC = bank code, 0 = reserved, 007905 = branch identifier.

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Lajamani Chowk Mota Varachha branch — IFSC HDFC0007905 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About the Lajamani Chowk Mota Varachha branch

The Lajamani Chowk Mota Varachha branch of HDFC Bank is situated at OFFICE NO 134 137 2ND FLOOR RAGHUVIR SHOPPERS NR LAJAMANI CHOWK MOTA VARACHHA SURAT GUJARAT 395006. 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 HDFC0007905 is used.

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 LAJAMANI CHOWK MOTA VARACHHA of HDFC Bank — its own 11-character IFSC. The code HDFC0007905 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 HDFC0007905 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 Lajamani Chowk Mota Varachha branch

Once you have an account at HDFC Bank – LAJAMANI CHOWK MOTA VARACHHA, the IFSC HDFC0007905 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 Lajamani Chowk Mota Varachha 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 HDFC0007905

How to transfer money using IFSC HDFC0007905

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 HDFC0007905 across all three.

NEFT to HDFC Bank, LAJAMANI CHOWK MOTA VARACHHA using IFSC HDFC0007905

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 HDFC0007905, and confirm that the system picks up HDFC Bank – LAJAMANI CHOWK MOTA VARACHHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAJAMANI CHOWK MOTA VARACHHA

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's LAJAMANI CHOWK MOTA VARACHHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0007905 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank LAJAMANI CHOWK MOTA VARACHHA (IFSC HDFC0007905)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0007905 in your mobile or internet banking app, and the money is credited to the LAJAMANI CHOWK MOTA VARACHHA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0007905 for HDFC Bank – LAJAMANI CHOWK MOTA VARACHHA, 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.

For most retail customers crediting the Lajamani Chowk Mota Varachha 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 HDFC0007905

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 – LAJAMANI CHOWK MOTA VARACHHA is still mapped to IFSC HDFC0007905. 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 HDFC0007905 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Lajamani Chowk Mota Varachha 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 HDFC0007905 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.

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 HDFC0007905 and the account number together uniquely identify the Lajamani Chowk Mota Varachha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – LAJAMANI CHOWK MOTA VARACHHA:

• The IFSC is exactly HDFC0007905 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 LAJAMANI CHOWK MOTA VARACHHA 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.

Reaching the branch

The Lajamani Chowk Mota Varachha branch sits at OFFICE NO 134 137 2ND FLOOR RAGHUVIR SHOPPERS NR LAJAMANI CHOWK MOTA VARACHHA SURAT GUJARAT 395006. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 1800-2026161 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 HDFC0007905 and your account number.

Verifying IFSC HDFC0007905 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 HDFC0007905 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.

Working hours

Branch counters at Lajamani Chowk Mota Varachha 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 HDFC0007905 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0007905 is the IFSC code of HDFC Bank, LAJAMANI CHOWK MOTA VARACHHA 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.