Below are the complete branch details for HDFC Bank, NAD KOTHA ROAD branch, located in VISAKHAPATNAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0001604. 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 HDFC0001604 for HDFC Bank – NAD KOTHA ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For HDFC Bank's NAD KOTHA ROAD branch, the IFSC HDFC0001604 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and 001604 identifies this particular branch.
About the bank
HDFC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nad Kotha Road branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code HDFC0001604 for all electronic settlement.
Branch details at a glance
| Bank Name | HDFC Bank |
|---|---|
| Branch | Nad Kotha Road |
| IFSC Code | HDFC0001604 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HDFC BANK LTDDNO-58-1-357,SHYAMALA ARCADE,NEAR BHASHYAM SCHOOL,NAD KOTHA ROAD |
| City | Visakhapatnam |
| District | Vishakapatnam |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 9949493333 |
Nad Kotha Road branch overview
Located at HDFC BANK LTDDNO-58-1-357,SHYAMALA ARCADE,NEAR BHASHYAM SCHOOL,NAD KOTHA ROAD, the Nad Kotha Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0001604 is required for all interbank electronic transfers routed through this branch.
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 NAD KOTHA ROAD branch came to be assigned the code HDFC0001604.
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 HDFC0001604, money simply cannot be routed to the NAD KOTHA ROAD branch electronically.
Products and account variants supported
Every account opened at the Nad Kotha Road branch is mapped to IFSC HDFC0001604 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 HDFC0001604.
Banking services available
The Nad Kotha Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9949493333.
- 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 HDFC0001604
How to transfer money using IFSC HDFC0001604
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 HDFC0001604 across all three.
How to use IFSC HDFC0001604 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's NAD KOTHA 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).
- 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 HDFC0001604.
- Confirm the bank name auto-populates as HDFC Bank and the branch as NAD KOTHA ROAD.
- 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 NAD KOTHA ROAD
If you need to transfer ₹2 lakh or more in one go to an account at HDFC Bank's NAD KOTHA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HDFC0001604 while initiating the transfer and the credit will appear within minutes.
IMPS to HDFC Bank NAD KOTHA ROAD (IFSC HDFC0001604)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0001604 in your mobile or internet banking app, and the money is credited to the NAD KOTHA ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HDFC0001604 for HDFC Bank – NAD KOTHA 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.
| 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 – HDFC0001604 | Yes – HDFC0001604 | Yes – HDFC0001604 |
For most retail customers crediting the Nad Kotha 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.
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 NAD KOTHA ROAD branch, the IFSC HDFC0001604 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.
Digital banking channels
Most day-to-day work that customers used to do at the Nad Kotha 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 HDFC0001604 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 HDFC0001604 and the account number together uniquely identify the Nad Kotha Road 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 – NAD KOTHA ROAD:
- The IFSC is exactly HDFC0001604 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 NAD KOTHA 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 Nad Kotha Road branch sits at HDFC BANK LTDDNO-58-1-357,SHYAMALA ARCADE,NEAR BHASHYAM SCHOOL,NAD KOTHA ROAD. If you are travelling from outside Visakhapatnam, search for the branch on a maps application using the bank name and locality, or call 91-9949493333 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 HDFC0001604 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC HDFC0001604 for HDFC Bank – NAD KOTHA 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 banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Nad Kotha Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0001604, however, work 24x7.
Branch address & contact
HDFC BankNad Kotha Road Branch
HDFC BANK LTDDNO-58-1-357,SHYAMALA ARCADE,NEAR BHASHYAM SCHOOL,NAD KOTHA ROAD
Visakhapatnam, Andhra Pradesh
Phone: 91-9949493333
IFSC: HDFC0001604
Frequently asked questions
Can I use IFSC HDFC0001604 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HDFC0001604 to send funds instantly.
Is IFSC HDFC0001604 valid for NEFT and RTGS?
Yes. IFSC HDFC0001604 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HDFC Bank Nad Kotha Road branch located?
HDFC Bank's Nad Kotha Road branch is located at HDFC BANK LTDDNO-58-1-357,SHYAMALA ARCADE,NEAR BHASHYAM SCHOOL,NAD KOTHA ROAD, Visakhapatnam, Andhra Pradesh.
How quickly will an NEFT transfer using HDFC0001604 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HDFC Bank – Nad Kotha Road reflect within 30 minutes.
Does HDFC Bank Nad Kotha Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9949493333 to confirm.
How do I add HDFC Bank Nad Kotha Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HDFC0001604, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of HDFC Bank Nad Kotha Road branch?
You can reach the branch at 91-9949493333 during regular banking hours.
Is IFSC HDFC0001604 the same for all accounts at Nad Kotha Road branch?
Yes. The IFSC HDFC0001604 is shared by every account held at HDFC Bank's Nad Kotha Road branch. Only the account number changes from customer to customer.
Final notes
To recap: HDFC0001604 is the IFSC code of HDFC Bank, NAD KOTHA ROAD branch, in VISAKHAPATNAM, ANDHRA PRADESH. 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.
