IFSC Code of HDFC Bank, Vip Vesu Road Branch, Gujarat

Below are the complete branch details for HDFC Bank, VIP VESU ROAD branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0005804. 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 HDFC0005804 for HDFC Bank – VIP VESU ROAD — 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, HDFC0005804 is the IFSC of HDFC Bank's VIP VESU ROAD branch. The format is fixed: HDFC = bank code, 0 = reserved, 005804 = branch identifier.

Branch details at a glance

Bank profile

HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Vip Vesu Road branch — IFSC HDFC0005804 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at GROUND FLOOR G11 WHITE HOUSE OPP PALM AVENUE VIP ROAD VESU SURAT GUJARAT 395007. 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 HDFC0005804 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 VIP VESU ROAD branch came to be assigned the code HDFC0005804.

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 HDFC0005804, money simply cannot be routed to the VIP VESU ROAD branch electronically.

How to transfer money using IFSC HDFC0005804

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 HDFC0005804 across all three.

NEFT to HDFC Bank, VIP VESU ROAD using IFSC HDFC0005804

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 HDFC0005804, and confirm that the system picks up HDFC Bank – VIP VESU ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIP VESU ROAD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's VIP VESU ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0005804 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank VIP VESU ROAD (IFSC HDFC0005804)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0005804 in your mobile or internet banking app, and the money is credited to the VIP VESU ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vip Vesu Road

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 HDFC0005804:

• 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 VIP VESU ROAD is still linked to IFSC HDFC0005804.

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 HDFC0005804

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 – VIP VESU ROAD is still mapped to IFSC HDFC0005804. 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 HDFC0005804 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vip Vesu Road branch is mapped to IFSC HDFC0005804 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 HDFC0005804.

Banking services available

The Vip Vesu Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2676161.

• 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 HDFC0005804

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 HDFC0005804 and the account number together uniquely identify the Vip Vesu Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC HDFC0005804

HDFC Bank customers can register for net banking and the bank's official mobile app once their account at the VIP VESU ROAD 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 HDFC0005804 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.

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 – VIP VESU ROAD:

• The IFSC is exactly HDFC0005804 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 VIP VESU ROAD 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 Vip Vesu Road branch sits at GROUND FLOOR G11 WHITE HOUSE OPP PALM AVENUE VIP ROAD VESU SURAT GUJARAT 395007. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 1860-2676161 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 HDFC0005804 and your account number.

Verifying IFSC HDFC0005804 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 HDFC0005804 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1860-2676161.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vip Vesu Road 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 HDFC0005804 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0005804 is the IFSC code of HDFC Bank, VIP VESU ROAD 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.