HDFC Bank SWIFT Code – Full List, Format & How to Find It

HDFC Bank SWIFT Code — Your Guide for International Transfers

When you ask your bank abroad to send money to your HDFC account, the first thing they'll request is a SWIFT code. Miss this, type it wrong, or use the wrong branch code and your transfer sits in limbo — sometimes for days.

This guide gives you the correct HDFC Bank SWIFT codes, explains what each part of the code means, and walks you through exactly what details you need to share before initiating any international transfer.

HDFC Bank SWIFT Code (Primary)

HDFCINBBXXX

This is the default SWIFT code for HDFC Bank's head office. If you're unsure which branch-specific code to use, give this one to the sender. Most correspondent banks route the payment correctly from here.

SWIFT Codes for HDFC Bank Branches Across India

Each HDFC Bank branch gets its own unique SWIFT code. Here's the list for major cities:

SWIFT Code	City	Country
HDFCINBBBNG	Bangalore	India
HDFCINBBAHM	Ahmedabad	India
HDFCINBBCAL	Kolkata	India
HDFCINBBGMT	Mumbai	India
HDFCINBBTRS	Mumbai	India
HDFCINBBCUS	Mumbai	India
HDSEINBBXXX	Mumbai	India
HDFCINBBDEL	New Delhi	India
HDFCINBBPNE	Pune	India
HDFCINBBHYD	Hyderabad	India
HDFCINBBCOC	Kochi	India
HDFCINBBCHE	Chennai	India

Not sure about your branch? Call HDFC customer care or walk into the branch and ask. They'll give you the exact code in under a minute.

Breaking Down the HDFC Bank SWIFT Code Format

SWIFT codes run between 8 and 11 characters. Every segment tells the system something specific about the destination bank. Take HDFCINBBAHM as an example:

HDFC — The bank code. First four letters, always representing HDFC Bank.

IN — The country code. IN stands for India.

BB — The location code. This points to the head office city or regional hub.

AHM — The branch code. AHM refers to the Ahmedabad branch specifically.

When you see XXX at the end instead of a branch code, that just means the payment is going to the primary office rather than a named branch.

Why HDFC Branches Don't All Share One SWIFT Code

The short answer: money needs a precise address.

A SWIFT code tied to the Delhi branch can't correctly route a payment meant for an account in Pune. Each branch processes its own international transactions and operates independently within the network. Using the right branch code cuts down processing time and removes any back-and-forth between correspondent banks trying to figure out where the funds belong.

4 Ways to Find Your HDFC Bank SWIFT Code

1. Your bank statement — The SWIFT code is printed on most HDFC Bank account statements, usually near the IFSC code.

2. HDFC NetBanking — Log in, go to account details, and look under international banking information.

3. Visit the branch — Any HDFC Bank counter staff can give you the branch SWIFT code on the spot.

4. Call HDFC customer care — Dial the helpline and ask specifically for the SWIFT code of your branch.

What Information Do You Need to Share for an International Transfer?

Put together this information before you ask anyone to send you money internationally through HDFC Bank:

Your details (recipient):

• Full name exactly as it appears on your HDFC Bank account
• Your complete address
• Your HDFC Bank account number

Your bank's details:

• SWIFT code of your specific HDFC branch
• Branch name and address (some foreign banks ask for this)

Transfer details:

• The exact amount and currency
• Purpose of transfer (mandatory under RBI regulations for incoming remittances)

Sender's details:

• The sender's bank may also ask for a copy of your ID for their own KYC process, depending on the amount being transferred

What Happens If You Use the Wrong SWIFT Code?

The transfer either bounces back to the sender or gets stuck in a correspondent bank queue while someone manually investigates. This usually takes 3 to 7 business days to resolve, and the sender may be charged correction fees by their bank. Some banks charge both sides.

Always confirm the SWIFT code with your branch before sharing it — especially if the transfer involves a large amount.

Why Banks Use SWIFT at All

SWIFT (Society for Worldwide Interbank Financial Telecommunication) is the messaging network that banks use to communicate payment instructions across borders. It doesn't actually move money — it sends the instruction that tells the receiving bank to credit your account.

The network connects over 11,000 banks and financial institutions across 200+ countries. Every message on the network is encrypted, so your payment instructions can't be intercepted or tampered with in transit.

Frequently Asked Questions

What is the SWIFT code for HDFC Bank?

The primary SWIFT code is HDFCINBBXXX. For branch-specific transfers, use the code matching your account's home branch from the table above.

Is the HDFC Bank SWIFT code the same for all branches?

No. Every branch has its own code based on its city and location. Using a mismatched code can delay your transfer.

Can I receive an international transfer without a SWIFT code?

No. The sending bank requires it to route the funds. Without a valid SWIFT code, the transfer won't go through.

Where do I find the SWIFT code on my HDFC Bank statement?

It's usually listed in the account information section alongside your IFSC code and account number.

What if I don't know my branch-specific SWIFT code?

Use the head office code HDFCINBBXXX. The payment will still reach your account, though it may take slightly longer than using the branch-specific code.

Does the purpose of transfer matter for incoming international payments?

Yes. Under RBI guidelines, you'll need to declare the purpose of any incoming foreign remittance. Your bank will ask for this when the funds arrive.