IFSC Code of HDFC Bank, Panchvati Circle Gorwa Road Branch, Gujarat

If you are searching for the IFSC code of HDFC Bank, PANCHVATI CIRCLE GORWA ROAD branch in VADODARA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is HDFC0008785. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PANCHVATI CIRCLE GORWA ROAD branch, and detailed step-by-step guides for using the IFSC HDFC0008785 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for HDFC Bank – PANCHVATI CIRCLE GORWA ROAD is HDFC0008785. The first four letters HDFC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008785 map to this branch in VADODARA, GUJARAT.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the Panchvati Circle Gorwa Road branch in Vadodara. 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, HDFC0008785.

About the Panchvati Circle Gorwa Road branch

The Panchvati Circle Gorwa Road branch of HDFC Bank is situated at SHOP NO 1 TO 6 NARAYAN SQUARE NEAR PANCHVATI CIRCLE GORWA ROAD VADODARA GUJARAT 390016. 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 HDFC0008785 is used.

Branch details at a glance

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 PANCHVATI CIRCLE GORWA ROAD of HDFC Bank — its own 11-character IFSC. The code HDFC0008785 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 HDFC0008785 the same way you would treat your account number — verify it once and save it carefully for future use.

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 HDFC0008785 and the account number together uniquely identify the Panchvati Circle Gorwa Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC HDFC0008785

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 HDFC0008785 across all three.

How to use IFSC HDFC0008785 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's PANCHVATI CIRCLE GORWA ROAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC HDFC0008785.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as PANCHVATI CIRCLE GORWA ROAD.
5. 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 PANCHVATI CIRCLE GORWA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's PANCHVATI CIRCLE GORWA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0008785 while initiating the transfer and the credit will appear within minutes.

IMPS to HDFC Bank PANCHVATI CIRCLE GORWA ROAD (IFSC HDFC0008785)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0008785 in your mobile or internet banking app, and the money is credited to the PANCHVATI CIRCLE GORWA ROAD branch account within seconds.

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

All three modes accept the IFSC HDFC0008785 for HDFC Bank – PANCHVATI CIRCLE GORWA ROAD, 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 Panchvati Circle Gorwa Road 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 HDFC0008785

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 – PANCHVATI CIRCLE GORWA ROAD is still mapped to IFSC HDFC0008785. 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 HDFC0008785 and the beneficiary's account number to complete the transfer.

Account types you can open at the Panchvati Circle Gorwa Road branch

Once you have an account at HDFC Bank – PANCHVATI CIRCLE GORWA ROAD, the IFSC HDFC0008785 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 Panchvati Circle Gorwa Road 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 HDFC0008785

Digital banking channels

Most day-to-day work that customers used to do at the Panchvati Circle Gorwa Road 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 HDFC0008785 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 Panchvati Circle Gorwa Road branch

The branch is located at SHOP NO 1 TO 6 NARAYAN SQUARE NEAR PANCHVATI CIRCLE GORWA ROAD VADODARA GUJARAT 390016, which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank Panchvati Circle Gorwa Road branch” — the verified location pin for IFSC HDFC0008785 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2676161 before stepping out, especially around public holidays.
3. 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 HDFC0008785 and your account number.

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 – PANCHVATI CIRCLE GORWA ROAD:

• The IFSC is exactly HDFC0008785 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 PANCHVATI CIRCLE GORWA 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.

Working hours

Branch counters at Panchvati Circle Gorwa 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 HDFC0008785 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0008785 for HDFC Bank – PANCHVATI CIRCLE GORWA ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0008785 belongs to HDFC Bank's PANCHVATI CIRCLE GORWA ROAD branch, located at SHOP NO 1 TO 6 NARAYAN SQUARE NEAR PANCHVATI CIRCLE GORWA ROAD VADODARA… 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.