If you are searching for the IFSC code of HSBC Bank, SURAT MAIN BRANCH branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is HSBC0395002. 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 SURAT MAIN BRANCH branch, and detailed step-by-step guides for using the IFSC HSBC0395002 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.
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, HSBC0395002 is the IFSC of HSBC Bank's SURAT MAIN BRANCH branch. The format is fixed: HSBC = bank code, 0 = reserved, 395002 = branch identifier.
Branch details at a glance
| Bank Name | HSBC Bank |
|---|---|
| Branch | Surat Main Branch |
| IFSC Code | HSBC0395002 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHREEJI HOUSE DUMS ROAD PIPLOAD OPP LANCERS ARMY SCHOOL |
| City | Surat |
| District | Gujarat |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
About the bank
HSBC Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surat Main Branch branch in Surat, Gujarat is part of this network and uses the IFSC code HSBC0395002 for all electronic settlement.
About this branch
The branch is located at SHREEJI HOUSE DUMS ROAD PIPLOAD OPP LANCERS ARMY SCHOOL. 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 HSBC Bank. The IFSC HSBC0395002 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 HSBC Bank's SURAT MAIN BRANCH branch came to be assigned the code HSBC0395002.
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 HSBC0395002, money simply cannot be routed to the SURAT MAIN BRANCH branch electronically.
How to transfer money using IFSC HSBC0395002
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 HSBC0395002 across all three.
How to use IFSC HSBC0395002 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HSBC Bank's SURAT MAIN BRANCH 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 HSBC0395002.
- Confirm the bank name auto-populates as HSBC Bank and the branch as SURAT MAIN BRANCH.
- 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 SURAT MAIN BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at HSBC Bank's SURAT MAIN BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC HSBC0395002 while initiating the transfer and the credit will appear within minutes.
IMPS to HSBC Bank SURAT MAIN BRANCH (IFSC HSBC0395002)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HSBC0395002 in your mobile or internet banking app, and the money is credited to the SURAT MAIN BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Surat Main Branch
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 HSBC0395002:
- 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 SURAT MAIN BRANCH is still linked to IFSC HSBC0395002.
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 HSBC0395002
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 HSBC Bank – SURAT MAIN BRANCH is still mapped to IFSC HSBC0395002. 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 HSBC0395002 and the beneficiary's account number to complete the transfer.
Account types you can open at the Surat Main Branch branch
Once you have an account at HSBC Bank – SURAT MAIN BRANCH, the IFSC HSBC0395002 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 Surat Main Branch 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 HSBC0395002
MICR & cheque-truncation details
Cheques drawn on the Surat Main Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HSBC0395002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Surat Main Branch 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 HSBC0395002 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.
Common mistakes to avoid when using IFSC HSBC0395002
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 – SURAT MAIN BRANCH, 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:
HSBC0395002. - 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.
How to reach the Surat Main Branch branch
The branch is located at SHREEJI HOUSE DUMS ROAD PIPLOAD OPP LANCERS ARMY SCHOOL, which puts it inside Surat, the broader Gujarat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “HSBC Bank Surat Main Branch branch” — the verified location pin for IFSC HSBC0395002 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 HSBC0395002 and your account number.
Verifying IFSC HSBC0395002 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 HSBC0395002 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
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 Surat Main Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HSBC0395002, however, work 24x7.
Branch address & contact
HSBC BankSurat Main Branch Branch
SHREEJI HOUSE DUMS ROAD PIPLOAD OPP LANCERS ARMY SCHOOL
Surat, Gujarat
Phone: 0
IFSC: HSBC0395002
Frequently asked questions
Is IFSC HSBC0395002 the same for all accounts at Surat Main Branch branch?
Yes. The IFSC HSBC0395002 is shared by every account held at HSBC Bank's Surat Main Branch branch. Only the account number changes from customer to customer.
What is the IFSC code of HSBC Bank Surat Main Branch branch?
The IFSC code of HSBC Bank, Surat Main Branch branch is HSBC0395002. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC HSBC0395002 valid for NEFT and RTGS?
Yes. IFSC HSBC0395002 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is HSBC Bank Surat Main Branch branch located?
HSBC Bank's Surat Main Branch branch is located at SHREEJI HOUSE DUMS ROAD PIPLOAD OPP LANCERS ARMY SCHOOL, Surat, Gujarat.
Does HSBC Bank Surat Main Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
What is the phone number of HSBC Bank Surat Main Branch branch?
You can reach the branch at 0 during regular banking hours.
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 Surat Main Branch branch but serve different purposes.
Can I use IFSC HSBC0395002 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC HSBC0395002 to send funds instantly.
Summary
The IFSC code HSBC0395002 belongs to HSBC Bank's SURAT MAIN BRANCH branch, located at SHREEJI HOUSE DUMS ROAD PIPLOAD OPP LANCERS ARMY SCHOOL in SURAT, 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.
