Hdfc Bank Limited SWIFT/BIC code

HDFCINBB – the SWIFT/BIC code of Hdfc Bank Limited

If an invoice shows HDFCINBB or HDFCINBBXXX, you are looking at the identical identifier for Hdfc Bank Limited in India. Every bank on the SWIFT network uses these codes to direct payments between countries to the right bank. In daily life you mostly come across it on international invoices, in payment forms and in the bank details that Hdfc Bank Limited provides.

Further down we go through the practical side: receiving money at Hdfc Bank Limited, sending money abroad and how to verify a SWIFT code before you confirm a payment. Remember that the SWIFT code only identifies the bank, not the account: the IBAN or account number takes care of that.

Which of the 25 codes of Hdfc Bank Limited do you need?

We have 25 SWIFT/BIC codes for Hdfc Bank Limited in 15 places. Besides the head office code HDFCINBBXXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use HDFCINBBXXX or its short form HDFCINBB. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

The safest approach is to copy the code straight from the account holder’s bank details. Codes for branches are more prone to change than HDFCINBBXXX when a bank merges or closes offices.

Is HDFCINBB still correct? How to check

Have the recipient copy the bank details straight from their banking app. Compare it with HDFCINBB on this page.

A wrong SWIFT code can cause a delay, a payment being sent back or additional charges. Remember the account number: an error there is harder to undo than a wrong BIC.

Many banking apps validate the structure of IBANs, but that does not prove the account belongs to the right person. More and more banks compare the payee name with the account. When you pay someone new, some people start with a small amount first before sending the rest.

The Indian Rupee and what conversion costs you

Accounts at Hdfc Bank Limited are usually held in INR, the national currency of India. When you pay money in a different currency it gets converted at some point: by your bank, an intermediary or Hdfc Bank Limited itself. Each conversion costs the amount – usually through the rate rather than a fee.

Who converts the payment makes a difference, because each party uses its own rate. Transferring the money already in INR usually avoids a second conversion at the receiving end, provided the rate you get is fair.

The rate for INR changes constantly. On larger amounts, a seemingly small difference in the rate adds up quickly.

When will the money arrive at Hdfc Bank Limited?

There is no fixed answer for international payments: many land within a day while others need several business days. Weekends and public holidays in the sending or receiving country can add extra days, since banks do not process on those days. Compliance checks by one of the banks may also add some delay.

A growing number of banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR. Specialist transfer services often provide tracking online showing how far the payment is.

A missing payment is traced by the sending bank, using the payment confirmation. Request from the sender the payment receipt with the date and reference – it helps your own bank look for the money.

What the XXX in HDFCINBBXXX means

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and a two-character location code. In this case, the 8-character core is HDFCINBB.

Most payment forms work with either length. If a form requires eleven characters, use HDFCINBBXXX; if it wants eight, use HDFCINBB.

Type the code as one block, in upper case and without separators, exactly as shown here. Look out for O versus 0 and the letter I and the digit 1; they are easy to mix up.

About this information

We gather SWIFT/BIC codes using publicly available data and update them from time to time. It can happen that a code here is out of date after a merger or reorganisation. Counts and locations are from our own dataset.

Before any payment of any size, always check the BIC with the recipient’s bank or the recipient. GoldexPay is independent of Hdfc Bank Limited, we only compare transfer services. If you notice something that is out of date, we appreciate a short note via the contact page.

Sending money abroad from Hdfc Bank Limited

When you transfer money abroad from Hdfc Bank Limited, the visible fee is rarely all of what you pay. Besides a fixed fee, banks in between may take a cut, and when the money changes currency, the bank often uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts at a rate with a margin built in. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank. Next time you send money, take a minute comparing the total cost on GoldexPay instead of going straight to your bank. You can always use your account at Hdfc Bank Limited as the source of the money, while a cheaper service handles the conversion.

Incoming international payments to Hdfc Bank Limited

To receive a transfer from abroad into your account at Hdfc Bank Limited, the sender needs not just the SWIFT code. Share the account holder’s name, your account number or IBAN, SWIFT code HDFCINBBXXX and your address, which some banks require.

It helps to include the bank name and Mumbai as well, since some forms ask for it. Double-check the details before you share them.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments vary per bank – the price list of Hdfc Bank Limited tells you what applies. Make clear with the sender who pays which costs before the money is sent.

Scams that use SWIFT codes

Be alert when a contact suddenly wants you to send money to a different account abroad. A real SWIFT code tells you nothing about who owns the account.

Never rely on contact details in the same message that contains the new account. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Already paid? Contact your bank without delay and have them start a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. Wait until the money is actually in your account.