Use this page as a one-stop reference for everything related to HDFC Bank's CHAPAD branch in VADODARA, GUJARAT. The branch's IFSC code HDFC0003070 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, HDFC0003070 is the IFSC of HDFC Bank's CHAPAD branch. The format is fixed: HDFC = bank code, 0 = reserved, 003070 = branch identifier.
Bank profile
HDFC Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chapad branch — IFSC HDFC0003070 — extends the bank's services to customers in and around Vadodara, Gujarat.
About this branch
The branch is located at HDFC BANK LTD GROUND FLOOR, OPP GOVT HOSPITAL, MOUJE-CHAPAD, TAL AND DIST-VADODARA CHAPAD GUJARAT 391410. It serves the Vadodara 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 HDFC0003070 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Chapad |
| IFSC Code | HDFC0003070 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTD GROUND FLOOR, OPP GOVT HOSPITAL, MOUJE-CHAPAD, TAL AND DIST-VADODARA CHAPAD GUJARAT 391410 |
| City | Vadodara |
| District | Vadodara |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9898271111 |
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 CHAPAD branch came to be assigned the code HDFC0003070.
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 HDFC0003070, money simply cannot be routed to the CHAPAD 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 HDFC0003070 and the account number together uniquely identify the Chapad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC HDFC0003070
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 HDFC0003070 across all three.
NEFT to HDFC Bank, CHAPAD using IFSC HDFC0003070
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 HDFC0003070, and confirm that the system picks up HDFC Bank – CHAPAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHAPAD
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's CHAPAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0003070 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank CHAPAD (IFSC HDFC0003070)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0003070 in your mobile or internet banking app, and the money is credited to the CHAPAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0003070 for HDFC Bank – CHAPAD, 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 – HDFC0003070 | Yes – HDFC0003070 | Yes – HDFC0003070 |
For most retail customers crediting the Chapad 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at HDFC Bank's CHAPAD branch, the IFSC HDFC0003070 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Chapad branch is mapped to IFSC HDFC0003070 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 HDFC0003070.
Banking services available
The Chapad 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 HDFC0003070
Digital banking channels
Most day-to-day work that customers used to do at the Chapad 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 HDFC0003070 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.
How to reach the Chapad branch
The branch is located at HDFC BANK LTD GROUND FLOOR, OPP GOVT HOSPITAL, MOUJE-CHAPAD, TAL AND DIST-VADODARA CHAPAD GUJARAT 391410, which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “HDFC Bank Chapad branch” — the verified location pin for IFSC HDFC0003070 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 HDFC0003070 and your account number.
Common mistakes to avoid when using IFSC HDFC0003070
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 – CHAPAD, 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:
HDFC0003070. - 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.
Working hours
Branch counters at Chapad 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 HDFC0003070 continue to work without interruption.
Verifying IFSC HDFC0003070 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 HDFC0003070 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 address & contact
HDFC BankChapad Branch
HDFC BANK LTD GROUND FLOOR, OPP GOVT HOSPITAL, MOUJE-CHAPAD, TAL AND DIST-VADODARA CHAPAD GUJARAT 391410
Vadodara, Gujarat
Phone: 91-9898271111
IFSC: HDFC0003070
Frequently asked questions
Does HDFC Bank Chapad 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 phone number of HDFC Bank Chapad branch?
You can reach the branch at 91-9898271111 during regular banking hours.
Where is HDFC Bank Chapad branch located?
HDFC Bank's Chapad branch is located at HDFC BANK LTD GROUND FLOOR, OPP GOVT HOSPITAL, MOUJE-CHAPAD, TAL AND DIST-VADODARA CHAPAD GUJARAT 391410, Vadodara, Gujarat.
Is IFSC HDFC0003070 the same for all accounts at Chapad branch?
Yes. The IFSC HDFC0003070 is shared by every account held at HDFC Bank's Chapad branch. Only the account number changes from customer to customer.
How do I add HDFC Bank Chapad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0003070, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of HDFC Bank Chapad branch?
The IFSC code of HDFC Bank, Chapad branch is HDFC0003070. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Chapad branch but serve different purposes.
How quickly will an NEFT transfer using HDFC0003070 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Chapad reflect within 30 minutes.
Summary
The IFSC code HDFC0003070 belongs to HDFC Bank's CHAPAD branch, located at HDFC BANK LTD GROUND FLOOR, OPP GOVT HOSPITAL, MOUJE-CHAPAD, TAL AND… in VADODARA, 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.
