This page lists the IFSC code, branch address, contact number and fund-transfer information for HSBC Bank, LOKHANDWALA MUMBAI branch in MUMBAI. The 11-digit IFSC HSBC0400010 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with HSBC Bank at the LOKHANDWALA MUMBAI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 HSBC Bank – LOKHANDWALA MUMBAI is HSBC0400010. The first four letters HSBC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 400010 map to this branch in MUMBAI, MAHARASHTRA.
About the bank
HSBC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lokhandwala Mumbai branch in Mumbai, Maharashtra is part of this network and uses the IFSC code HSBC0400010 for all electronic settlement.
About the Lokhandwala Mumbai branch
The Lokhandwala Mumbai branch of HSBC Bank is situated at E 2 BY 3 BY 4 MANISH GARDEN GROUND FLOOR J P ROAD ANDHERI WMUMBAI 400 053. 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 HSBC0400010 is used.
Branch details at a glance
| Bank Name | HSBC Bank |
|---|---|
| Branch | Lokhandwala Mumbai |
| IFSC Code | HSBC0400010 |
| MICR Code | Refer to cheque leaf |
| Branch Address | E 2 BY 3 BY 4 MANISH GARDEN GROUND FLOOR J P ROAD ANDHERI WMUMBAI 400 053 |
| City | Mumbai |
| District | Greater Mumbai |
| State | Maharashtra |
Why every HSBC 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 LOKHANDWALA MUMBAI of HSBC Bank — its own 11-character IFSC. The code HSBC0400010 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 HSBC0400010 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Lokhandwala Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HSBC0400010 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC HSBC0400010
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 HSBC0400010 across all three.
How to use IFSC HSBC0400010 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HSBC Bank's LOKHANDWALA MUMBAI 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 HSBC0400010.
- Confirm the bank name auto-populates as HSBC Bank and the branch as LOKHANDWALA MUMBAI.
- 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 LOKHANDWALA MUMBAI
If you need to transfer ₹2 lakh or more in one go to an account at HSBC Bank's LOKHANDWALA MUMBAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HSBC0400010 while initiating the transfer and the credit will appear within minutes.
IMPS to HSBC Bank LOKHANDWALA MUMBAI (IFSC HSBC0400010)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HSBC0400010 in your mobile or internet banking app, and the money is credited to the LOKHANDWALA MUMBAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC HSBC0400010 for HSBC Bank – LOKHANDWALA MUMBAI, 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 – HSBC0400010 | Yes – HSBC0400010 | Yes – HSBC0400010 |
For most retail customers crediting the Lokhandwala Mumbai 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 HSBC Bank's LOKHANDWALA MUMBAI branch, the IFSC HSBC0400010 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.
Account types you can open at the Lokhandwala Mumbai branch
Once you have an account at HSBC Bank – LOKHANDWALA MUMBAI, the IFSC HSBC0400010 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 Lokhandwala Mumbai branch can access most of HSBC 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 HSBC0400010
Online banking and IFSC HSBC0400010
HSBC Bank customers can register for net banking and the bank's official mobile app once their account at the LOKHANDWALA MUMBAI 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 HSBC0400010 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.
Reaching the branch
The Lokhandwala Mumbai branch sits at E 2 BY 3 BY 4 MANISH GARDEN GROUND FLOOR J P ROAD ANDHERI WMUMBAI 400 053. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 HSBC0400010 and your account number.
Common mistakes to avoid when using IFSC HSBC0400010
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 HSBC Bank – LOKHANDWALA MUMBAI, 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:
HSBC0400010. - 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.
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 Lokhandwala Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HSBC0400010, however, work 24x7.
Verifying IFSC HSBC0400010 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 HSBC0400010 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
HSBC BankLokhandwala Mumbai Branch
E 2 BY 3 BY 4 MANISH GARDEN GROUND FLOOR J P ROAD ANDHERI WMUMBAI 400 053
Mumbai, Maharashtra
Phone: the branch contact number
IFSC: HSBC0400010
Frequently asked questions
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 Lokhandwala Mumbai branch but serve different purposes.
How quickly will an NEFT transfer using HSBC0400010 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to HSBC Bank – Lokhandwala Mumbai reflect within 30 minutes.
What is the phone number of HSBC Bank Lokhandwala Mumbai branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add HSBC Bank Lokhandwala Mumbai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC HSBC0400010, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC HSBC0400010 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HSBC0400010 to send funds instantly.
Where is HSBC Bank Lokhandwala Mumbai branch located?
HSBC Bank's Lokhandwala Mumbai branch is located at E 2 BY 3 BY 4 MANISH GARDEN GROUND FLOOR J P ROAD ANDHERI WMUMBAI 400 053, Mumbai, Maharashtra.
Summary
The IFSC code HSBC0400010 belongs to HSBC Bank's LOKHANDWALA MUMBAI branch, located at E 2 BY 3 BY 4 MANISH GARDEN GROUND FLOOR J P ROAD ANDHERI WMUMBAI 400 053 in MUMBAI, MAHARASHTRA. 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.
