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The main SWIFT/BIC code for HDFC Bank is HDFCINBBXXX. It is commonly used for international transfers and inward remittances to HDFC Bank accounts in India.
A few years back, a friend of mine was waiting on a client payment from Germany. She had every detail ready, like the account number and the IFSC code, etc. But when the German company asked for a "SWIFT code," she didn’t understand.
She sent them her IFSC by mistake, and the payment bounced back after three days. That mix-up is more common than people think, and it usually comes down to one thing: not knowing which code goes where.
If you are a freelancer, exporter, or business owner expecting money from abroad into your HDFC Bank account, this guide walks you through the exact SWIFT code to use, whether it changes by branch or city, and how to avoid the small errors that delay international payments. Towards the end, we will also touch on how a platform like Infinity can make tracking these inward payments a little more predictable.
Quick Answer Box
Field | Detail |
Bank name | HDFC Bank Limited |
SWIFT/BIC code | HDFCINBBXXX |
Country | India |
Use | International wire transfer / inward remittance |
Bank code | HDFC |
Country code | IN |
Location code | BB |
Branch code | XXX |
TL;DR
HDFC Bank's primary SWIFT code is HDFCINBBXXX, used at the head office level.
Many inward remittances go through fine using this code alone.
Some HDFC branches and departments (Bengaluru, Chennai, Pune, Ahmedabad, Kolkata, and others) have their own city- or branch-specific SWIFT codes.
Always confirm the exact code with HDFC Bank or your branch before a high-value transfer.
SWIFT code is not the same as an IFSC code. Using the wrong one is one of the most common reasons international payments get delayed or rejected.
What is the SWIFT code of HDFC Bank?
A SWIFT code (also called a BIC) is how banks identify each other on the global payments network. When someone abroad sends you money, their bank does not know your HDFC branch by name. It needs a standard code to route the payment correctly, just as a courier needs a PIN code, not just a locality name.
For HDFC Bank, the code starts with HDFCINBB, and the last three characters indicate whether the payment is going to the head office or a specific branch. You will need this code whenever someone overseas wires money into your HDFC account, along with your account number and, in some cases, your branch address.
Is HDFCINBBXXX the same for all HDFC branches?
Not always. HDFCINBBXXX represents HDFC Bank's head office code, and it works for most inward remittances since HDFC processes many international payments centrally regardless of which branch holds the account.
That said, several HDFC branches, especially in cities like Bengaluru, Chennai, Pune, Ahmedabad, and Kolkata, have their own city-specific SWIFT codes, and some departments (like custody or treasury services) use separate codes entirely.
If you are unsure which one applies to you, do not guess. Confirm directly with HDFC Bank customer care or your home branch, especially for high-value transfers, since a wrong code can delay funds or send them to the wrong routing path.
HDFC Bank SWIFT Code by City / Branch
Here are commonly referenced HDFC Bank SWIFT codes by city, compiled from publicly available banking directories. Treat this as a starting reference, not a final confirmation. Always verify the exact code with HDFC Bank before initiating or sharing it for a transfer, since branch codes can be updated or reassigned.
City | Branch / Department | SWIFT Code | Address | Best Used For |
Mumbai | Head Office | HDFCINBBXXX | HDFC Bank House, Senapati Bapat Marg, Parel | Default code for most transfers |
Bengaluru | Richmond Road Branch | HDFCINBBBNG | Floor 3, Salco Centre, Richmond Road | Branch-specific transfer checks |
Chennai | Tamil Nadu Branch | HDFCINBBCHE | Floor 4, Dr. Radhakrishna Salai, Mylapore | City-specific searches |
Pune | Pune Branch | HDFCINBBPNE | Fortune Square, Deep Bungalow Chowk, Shivaji Nagar | City-specific searches |
Delhi | New Delhi Branch | HDFCINBBHBD | Harsha Bhavan, Connaught Place | City-specific searches |
Kolkata | Kolkata Branch | HDFCINBBCAL | Floor 2, Chowringhee Road | City-specific searches |
Hyderabad | Begumpet Branch | HDFCINBBHYD | Suryodaya, Begumpet | City-specific searches |
Ahmedabad | Ahmedabad Branch | HDFCINBBAHM | Tej Enclave, near Gandhigram Railway Station | City-specific searches |
Navi Mumbai | To verify | To verify | To verify | Long-tail branch query |
Nashik | To verify | To verify | To verify | Long-tail branch query |
Flag for verification: every SWIFT code and address in this table should be checked against HDFC Bank's official records. You can check HDFC Bank’s SWIFT code at Infinity’s SWIFT code finder.
This is important because branch details change, and an outdated code can genuinely hold up someone's payment.
Details Needed for Inward Remittance to HDFC Bank
To receive an international wire into your HDFC Bank account, the sender's bank will typically ask for:
Beneficiary name, exactly as it appears on your HDFC account
HDFC Bank account number
HDFC Bank SWIFT/BIC code
Branch name and address, if the sender's bank requests it
Purpose of remittance (this ties into RBI purpose codes)
Sender bank details, if your bank asks for them on your end
Having all of this ready before the sender initiates the transfer saves a back-and-forth that can otherwise stretch a same-day payment into a week-long delay.
How to Verify Your HDFC Bank SWIFT Code
Check with HDFC Bank support or visit your home branch directly.
Ask the sending bank what format they need. Some ask for 8 characters; others want the full 11-character code.
For high-value transfers, verify the branch-specific code rather than assuming the head office code will work.
Avoid relying only on old forum posts, screenshots, or copied tables (including this one) without a final check.
HDFC Bank SWIFT Code vs IFSC Code
Code | Used For | Example Context |
SWIFT/BIC | International transfers | Receiving money from another country |
IFSC | Domestic Indian transfers | NEFT, RTGS, IMPS inside India |
This is where most of the confusion happens. If a client abroad asks for your bank code, they need the SWIFT code, not the IFSC. IFSC only works for transfers happening within India's own banking network.
Common Mistakes to Avoid
Using IFSC instead of SWIFT for an international transfer.
Entering an unverified branch-specific SWIFT code.
Relying on outdated branch details found online.
Missing the beneficiary account number when sharing payment details.
Ignoring the purpose code or remittance rules the bank asks for.
Getting any one of these wrong is often why an inward payment sits in a "pending" or "under review" state instead of landing directly in your account.
This is also where a platform like Infinity can help exporters and freelancers, since it gives visibility into where an inward payment stands, along with the documentation (like FIRA) needed for compliance, without needing to chase your bank branch for updates.
