Below are the complete branch details for HDFC Bank, SURAT - RING ROAD - GUJARAT branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0000251. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0000251 for HDFC Bank – SURAT - RING ROAD - GUJARAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, HDFC0000251 is the IFSC of HDFC Bank's SURAT - RING ROAD - GUJARAT branch. The format is fixed: HDFC = bank code, 0 = reserved, 000251 = branch identifier.
About HDFC Bank
HDFC Bank operates a wide network of branches across India, including the Surat - Ring Road - Gujarat branch in Surat. 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, HDFC0000251.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Surat - Ring Road - Gujarat |
| IFSC Code | HDFC0000251 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RIVAA HOUSE,NEAR UDHNA DARWAJA,RING ROADSURATGUJARAT395 002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9898271111 |
About this branch
The branch is located at RIVAA HOUSE,NEAR UDHNA DARWAJA,RING ROADSURATGUJARAT395 002. 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 HDFC0000251 is used to identify this branch on the RBI payments network.
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 SURAT - RING ROAD - GUJARAT branch came to be assigned the code HDFC0000251.
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 HDFC0000251, money simply cannot be routed to the SURAT - RING ROAD - GUJARAT branch electronically.
Products and account variants supported
Every account opened at the Surat - Ring Road - Gujarat branch is mapped to IFSC HDFC0000251 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 HDFC0000251.
Banking services available
The Surat - Ring Road - Gujarat 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 HDFC0000251
How to transfer money using IFSC HDFC0000251
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 HDFC0000251 across all three.
How to use IFSC HDFC0000251 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's SURAT - RING ROAD - GUJARAT 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 HDFC0000251.
- Confirm the bank name auto-populates as HDFC Bank and the branch as SURAT - RING ROAD - GUJARAT.
- 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 SURAT - RING ROAD - GUJARAT
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's SURAT - RING ROAD - GUJARAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0000251 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 – SURAT - RING ROAD - GUJARAT, use IMPS. With IFSC HDFC0000251 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 HDFC0000251 for HDFC Bank – SURAT - RING ROAD - GUJARAT, 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 – HDFC0000251 | Yes – HDFC0000251 | Yes – HDFC0000251 |
For most retail customers crediting the Surat - Ring Road - Gujarat 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 HDFC0000251
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 – SURAT - RING ROAD - GUJARAT is still mapped to IFSC HDFC0000251. 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 HDFC0000251 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 Surat - Ring Road - Gujarat 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 HDFC0000251 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 HDFC0000251 and the account number together uniquely identify the Surat - Ring Road - Gujarat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC HDFC0000251
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 – SURAT - RING ROAD - GUJARAT, 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:
HDFC0000251. - 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.
Reaching the branch
The Surat - Ring Road - Gujarat branch sits at RIVAA HOUSE,NEAR UDHNA DARWAJA,RING ROADSURATGUJARAT395 002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 91-9898271111 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 HDFC0000251 and your account number.
Verifying IFSC HDFC0000251 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 HDFC0000251 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.
Working hours
Branch counters at Surat - Ring Road - Gujarat 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 HDFC0000251 continue to work without interruption.
Branch address & contact
HDFC BankSurat - Ring Road - Gujarat Branch
RIVAA HOUSE,NEAR UDHNA DARWAJA,RING ROADSURATGUJARAT395 002
Surat, Gujarat
Phone: 91-9898271111
IFSC: HDFC0000251
Frequently asked questions
Where is HDFC Bank Surat - Ring Road - Gujarat branch located?
HDFC Bank's Surat - Ring Road - Gujarat branch is located at RIVAA HOUSE,NEAR UDHNA DARWAJA,RING ROADSURATGUJARAT395 002, Surat, Gujarat.
How do I add HDFC Bank Surat - Ring Road - Gujarat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0000251, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HDFC0000251 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0000251 to send funds instantly.
What is the phone number of HDFC Bank Surat - Ring Road - Gujarat branch?
You can reach the branch at 91-9898271111 during regular banking hours.
Does HDFC Bank Surat - Ring Road - Gujarat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9898271111 to confirm.
What is the IFSC code of HDFC Bank Surat - Ring Road - Gujarat branch?
The IFSC code of HDFC Bank, Surat - Ring Road - Gujarat branch is HDFC0000251. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code HDFC0000251 belongs to HDFC Bank's SURAT - RING ROAD - GUJARAT branch, located at RIVAA HOUSE,NEAR UDHNA DARWAJA,RING ROADSURATGUJARAT395 002 in SURAT, GUJARAT. 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.
