HDFC Bank SWIFT Code: Branch List, Code Format & How to Find Your Branch Code (2026)

Sending money to India from the USA, UK, Canada, UAE, or another country requires the correct bank details to ensure a smooth international transfer. If you or your family members hold an account with HDFC Bank, understanding the HDFC Bank SWIFT code is important when receiving money from abroad.

A SWIFT code, also known as a Bank Identifier Code (BIC), helps identify a bank during international financial transactions. However, the SWIFT code required for your transfer may depend on HDFC Bank’s remittance instructions and the destination account. Not every branch necessarily has a separate SWIFT code. In this guide, we’ll explain how to find and verify the HDFC Bank SWIFT code, understand its format, check branch-related details, and learn how it differs from an IFSC code.

What Is the HDFC Bank SWIFT Code?

A SWIFT code is like an address for a bank on the international money network. When someone sends money from another country, the sender’s bank uses this code to find the right bank in India. For HDFC Bank, the main code is HDFCINBB. You will often see it written as HDFCINBBXXX. The extra “XXX” at the end simply means the head office. Both versions work the same way for most transfers. SWIFT code is also called a BIC (Bank Identifier Code). You only need it for money coming from, or going to, another country. For payments inside India, you use the IFSC code instead.

HDFC Bank SWIFT Code Format Explained

The HDFC Bank SWIFT/BIC code is commonly written as HDFCINBB or HDFCINBBXXX. A SWIFT/BIC can contain either 8 or 11 characters. In an 11-character BIC, the final three characters identify a specific branch or represent the primary office when the suffix is XXX.

Always confirm which code applies to your international transfer through HDFC Bank’s official instructions.

HDFC Bank SWIFT code HDFCINBBXXX broken into its four parts.

The branch code is the last 3 characters. It is optional. That is why HDFCINBB (8 characters) and HDFCINBBXXX (11 characters) are treated as the same main code.

HDFC Bank SWIFT Code List by Branch (City-Wise)

Some HDFC Bank offices have their own branch-level SWIFT codes. Here are the codes that are commonly listed for Indian cities:

Which HDFC SWIFT Code Should You Use?

The correct HDFC Bank SWIFT code depends on the applicable international remittance instructions.

• If HDFC Bank has provided a specific SWIFT/BIC code for your transfer, verify and use that code.
• If you are unsure which code applies, check HDFC Bank’s official inward-remittance instructions.
• Contact your home branch or HDFC Bank customer support if you need confirmation.

Do not assume that a city-specific code or the general SWIFT code will work for every currency or transfer route. Confirm the correct details before asking the sender to initiate the payment.

The SWIFT code identifies the bank, while your beneficiary name and account number help identify the account receiving the funds. If you hold an NRE or NRO account, make sure the sender has the correct account details.

HDFC Bank SWIFT Code for NRIs: NRE, NRO & International Money Transfers

If you are a Non-Resident Indian (NRI) with an NRE or NRO account at HDFC Bank, you may need the bank’s SWIFT code to receive international money transfers. The SWIFT/BIC helps the sending bank identify the receiving bank, while your account number and beneficiary details help route the funds to the correct account.

SWIFT Code for HDFC Bank NRE Accounts

NRIs can receive eligible overseas remittances into their NRE accounts, subject to applicable banking requirements. Before sending money, confirm the correct SWIFT code, beneficiary details, currency instructions, and any intermediary bank information with HDFC Bank.

SWIFT Code for HDFC Bank NRO Accounts

An NRO account can be used to receive eligible foreign remittances and manage income earned in India. If you are transferring money from abroad into your NRO account, verify the applicable inward-remittance instructions with HDFC Bank before initiating the transaction.

Details NRIs Should Confirm Before an International Transfer

Before arranging a transfer to your HDFC Bank account, make sure you have:

• Your beneficiary name as registered with the bank
• Your HDFC Bank NRE or NRO account number
• The applicable SWIFT/BIC code
• Intermediary or correspondent bank details, if required
• Any additional information requested by the sending bank or HDFC Bank

How to Find Your HDFC Bank Branch SWIFT Code

You can find your branch code in a few easy ways:

1. Check Your Bank Statement

Some HDFC statements show the branch details. Look at the top of the statement for the branch name and address, then confirm the code with the bank.

2. Log In to NetBanking or the Mobile App

Open your account details page. You can see your branch name, IFSC code and address there. Use these details when you ask the bank for the matching SWIFT code. If you cannot log in because your account is restricted, it may be a KYC problem. This article on how NRIs can unfreeze an account stopped for Re-KYC shows you how to fix it from abroad.

3. Call HDFC Bank NRI Customer Care

Tell the executive your account number and branch name. Ask for the SWIFT code for incoming international payments. This is the most reliable option when you want a written confirmation.

4. Visit Your Branch

If you are in India, the branch staff can print the correct details for you. Ask them to write down the SWIFT code, the bank’s account details for remittance, and your account number.

SWIFT Code vs IFSC Code vs Branch Code: What Is the Difference?

These three are often mixed up, so here is a clear comparison:

So when someone asks for your “branch code,” ask them which one they mean. For an international transfer, they usually want the SWIFT code. For a transfer within India, they want the IFSC code.

What Details Do You Need to Receive Money From Abroad in HDFC Bank?

Ask the sender to give these details to their bank. HDFC Bank lists the following for remittances to India:

• HDFC Bank’s SWIFT code
• HDFC Bank’s Nostro account number (the bank’s account in the sender’s country)
• Your account number with HDFC Bank
• Instructions on what to do with the money, for example “credit to my NRE savings account”
• The purpose code, written in field 70 or 72 of the remittance form

Keep your name exactly as it appears in your HDFC account. Even a small spelling difference can hold up the credit.

Also, a normal resident savings account cannot receive foreign money in the same way an NRI account can. If you moved abroad and your old account is still a resident account, convert it first.

Special Tip for FCNR Deposits

If you are sending money to book an FCNR deposit, do not write your NRE or NRO account number on the remittance form. HDFC Bank advises using your customer ID instead, so the money is not converted into rupees by mistake. If you are thinking about this kind of deposit, this explainer on whether the new RBI FCNR(B) deposit scheme is worth it will help you decide.

Can You Use the HDFC SWIFT Code to Send Money Out of India?

The SWIFT code is mainly used when money comes into your HDFC account. When you send money out, the bank handles the SWIFT details on its side. What you need to focus on is paperwork.

If you are moving money from your NRO account to a foreign account, the bank will ask for tax-related forms. From 1 April 2026, Form 15CA and Form 15CB have been renamed Form 145 and Form 146. NRE and FCNR funds can generally be sent abroad freely, but NRO transfers have a limit of USD 1 million per financial year. If you are selling investments, you may like to read how it works in what happens to your mutual funds after you become an NRI, where this paperwork is explained in a simple way.

How Long Does an International Transfer to HDFC Bank Take?

Most international bank transfers take around 1 to 5 business days. The exact time depends on the sender’s bank, the country, and whether any bank in the middle needs to process the payment. Public holidays in either country can add a day or two.

Delays often happen when the bank cannot match your details. If your PAN or address records are different in different places, the bank may stop the credit and ask for papers. In that case, check if your PAN still shows you as a resident. This guide on how to change your PAN status to NRI explains how to correct it.

Common Mistakes to Avoid With the HDFC SWIFT Code

• Using an IFSC code in place of a SWIFT code. They look similar but are not the same. International senders need the SWIFT code.
• Guessing the branch code. If you are not sure, use HDFCINBB or ask the bank. Do not make up the last three characters.
• Typing the code wrongly. Check that it reads H-D-F-C-I-N-B-B. One wrong letter can send the payment to the wrong place.
• Leaving out the purpose code. HDFC Bank asks for it on the remittance form, and missing it can delay the credit.
• Not updating your NRI KYC. Old resident details on your account can block or slow incoming money. 

Conclusion

The HDFC Bank SWIFT code is an important detail when receiving international money transfers into India. However, the correct code may depend on the applicable remittance instructions and transfer route.

Before initiating a payment, verify the SWIFT/BIC code, beneficiary name, account number, and any required intermediary bank details through HDFC Bank’s official channels. If you hold an NRE or NRO account, confirm the applicable account and remittance requirements as well. Checking these details in advance can help reduce avoidable payment delays and returns.