HDFC0004235 — HDFC Bank, Pandesara Surat
HDFC0004235 is the IFSC code of HDFC Bank, Pandesara Surat branch, Surat, Gujarat. MICR 395240027. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | HDFC0004235 |
|---|---|
| Bank | HDFC Bank |
| Branch | Pandesara Surat |
| Address | PLOT NO 195 SHOP NO 16 COMMUNITY DISPLAY CENTRE GIDC PANDESARA SURAT GUJARAT 394221 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| MICR code | 395240027 |
| SWIFT code | HDFCINBB |
| Phone | +919898271111 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other HDFC Bank branches in Surat
- A K Road — HDFC0007994
- Adajan Hazira Road — HDFC0005513
- Adajan-surat-gujarat — HDFC0000388
- Althan — HDFC0009142
- Amroli — HDFC0008101
- Anand Mahal Road Adajan — HDFC0008947
- Asta — HDFC0003105
- Athwagate — HDFC0001707
- Bardoli — HDFC0008948
- Bardoli Ii — HDFC0003353
- Bardoli-gujarat — HDFC0000209
- Bhatar — HDFC0001007
How to read IFSC HDFC0004235
| Part | Meaning |
|---|---|
| HDFC | Bank code – HDFC Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 004235 | Branch code – Pandesara Surat, Surat |
The MICR code 395240027 is printed at the bottom of cheques from this branch: 395 is the city code, 240 the bank code and 027 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to HDFC Bank, Pandesara Surat
Payments this branch can receive using IFSC HDFC0004235:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC HDFC0004235.
Questions about IFSC HDFC0004235
What is the IFSC code of HDFC Bank, Pandesara Surat branch?
The IFSC code of HDFC Bank, Pandesara Surat branch (Surat, Gujarat) is HDFC0004235.
What is the MICR code of HDFC Bank, Pandesara Surat?
The MICR code of this branch is 395240027.
Where is HDFC Bank, Pandesara Surat branch located?
The branch address is PLOT NO 195 SHOP NO 16 COMMUNITY DISPLAY CENTRE GIDC PANDESARA SURAT GUJARAT 394221 (Gujarat).
Does HDFC0004235 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.