HDFC Bank SWIFT Code: Complete List, Format & How to Use It Correctly (2026)

If someone abroad is sending you money and just asked for your HDFC SWIFT code, here’s the short answer: HDFC Bank’s head office SWIFT code is HDFCINBBXXX.. For the vast majority of transfers into a regular savings or NRE/NRO account, this is the only code you need — it doesn’t matter which city your branch is in.

If you want to understand why that’s true, when a branch-specific code actually matters, and how to avoid the mistakes that get international transfers stuck for days, keep reading. This guide covers all of it.

What Is the HDFC Bank SWIFT Code? (Quick Answer)

A SWIFT code (also called a BIC) is how banks identify each other during international transfers. Think of it as an address system for banks — it tells the sending bank exactly which institution, and often which branch, should receive the funds.

For HDFC Bank, the code you’ll use in almost every case is:

HDFCINBBXXX

Getting the right HDFC SWIFT code is usually just a matter of knowing whether you need the head office code or a branch-specific one: HDFC Bank routes the vast majority of incoming international wires through this single code, regardless of which branch actually holds your account. So if your uncle in Dubai is wiring money to your HDFC savings account in Nagpur, he can use HDFCINBBXXX and it will reach you — your bank account number is what actually directs the funds to the right branch internally, not the SWIFT code.

Here’s a quick way to decide which code you need:

• Sending to a personal savings, NRE, or NRO account? Use HDFCINBBXXX. Don’t overthink it.
• Sending to a business account, or your bank/employer specifically told you to use a branch code? Use the branch-specific code from the table further down.
• Not sure? Call HDFC customer care or check your bank statement — it takes two minutes and saves you a potential delay.

HDFC Bank SWIFT Code Format Explained

Every SWIFT code follows the same structure, and once you can read one, you can read all of them. Let’s break down an actual HDFC code — take HDFCINBBCHE, the code for HDFC’s Chennai branch:

A couple of things worth knowing:

• SWIFT codes are either 8 or 11 characters. When the branch code is missing (just 8 characters), it usually defaults to the head office.
• XXX at the end specifically means “head office” — that’s why HDFCINBBXXX is the universal fallback code.
• The location code (BB) doesn’t literally spell out the city — it’s an internal identifier, which is why you can’t guess a branch code just by knowing the city name. You have to look it up.

Full List of HDFC Bank SWIFT Codes by Branch

If you’re looking for where to find your HDFC SWIFT code by branch, the table below is verified against SWIFT registry data as of July 2026.

A note on the Mumbai-based codes: HDFCINBBCUS, HDFCINBBGMT, and HDFCINBBTRS aren’t for regular customers — they’re internal codes for custody services, remittance processing, and treasury operations. If a foreign bank or intermediary happens to reference one of these, it’s not a mistake on your end; it’s just how HDFC routes certain institutional transactions internally.

If your city isn’t listed here or you want to double-check a code before a large transfer, HDFC’s own international banking page and the official SWIFT registry (swift.com) are the two sources to verify against.

HDFC SWIFT Code vs IFSC Code — What’s the Difference

This is the mix-up that trips up more people than anything else on this list, especially when a domestic and an international transfer are happening around the same time.

Here’s a simple way to remember it: if the money is crossing a border, it’s SWIFT. If it’s staying within India, it’s IFSC.

Real example: say you’re an NRI in London sending money to your father’s HDFC account in Pune, and separately, your father is transferring money from that same account to a domestic vendor in Pune. Your transfer from London needs HDFC’s SWIFT code (HDFCINBBXXX is fine). Your father’s domestic transfer needs the Pune branch’s IFSC code — completely different code, completely different system, and using the wrong one in either direction simply won’t work.

Some foreign banks, especially ones handling transfers to India regularly, will ask for both a SWIFT code and an IFSC code on the same form — that’s normal and not a sign of an error. The SWIFT code gets the money into India and to HDFC; the IFSC code (where required) tells HDFC’s internal systems which exact branch and account to credit.

SWIFT Code Guidance for NRIs (NRE/NRO Accounts)

If you’re an NRI managing money between two countries, here’s what actually matters for you specifically:

The SWIFT code does not change based on account type. Whether you’re receiving money into an NRE or an NRO account, the SWIFT code is the same — HDFCINBBXXX for the head office, or your specific branch code if that’s what your bank requires. The account type affects tax treatment and repatriation rules, not the routing code.

What a foreign bank will typically ask for, beyond the SWIFT code:

• Your HDFC account number
• IFSC code (some foreign transfer forms request this even though it’s not strictly required for the international leg)
• Your name and address exactly as registered with HDFC
• Purpose of the transfer — this matters more than people expect (see below)

On purpose codes and RBI rules: Any inward remittance above certain thresholds requires a stated purpose (family maintenance, investment, gift, salary, etc.), and larger amounts fall under RBI’s Liberalised Remittance Scheme (LRS) reporting requirements on the sending side if the money is going the other way — from India outward. This is genuinely its own topic with real compliance weight, so if you’re moving a significant amount, it’s worth reading RBI’s Liberalised Remittance Scheme rules before initiating the transfer with real compliance weight, so if you’re moving a significant amount, it’s worth reading up on FEMA guidelines and LRS limits specifically rather than treating it as a footnote.

On correspondent banks and why you might receive slightly less than what was sent: Most SWIFT transfers into India don’t go direct — they pass through a correspondent bank (often a large US or European bank that has a relationship with HDFC) before reaching HDFC’s systems. Each intermediary in that chain can deduct a handling fee. If you’ve ever wired $1,000 and had the recipient confirm only $985 or so landed, this is usually why — it’s not HDFC making an error, it’s the standard cost of the correspondent banking chain. If the exact amount matters, ask the sender to select the “OUR” fee option (sender pays all fees) instead of “SHA” (shared fees) when they initiate the transfer.

How to Get Your HDFC SWIFT Code (Verified in 2 Minutes)

Before a large or time-sensitive transfer, verify the code through one of these:

1. HDFC NetBanking or mobile app — the fastest place to find your HDFC SWIFT code without calling anyone.
2. Your bank statement or passbook — many statements print the branch’s SWIFT code directly.
3. HDFC customer care or your home branch — the fastest way to get a definitive answer if you’re unsure.
4. SWIFT’s official registry (swift.com) — the authoritative source if you want to cross-check independently.

One practical habit worth building: if you’re sending or receiving a large amount, verify the code fresh each time rather than reusing one from an old email or a screenshot someone sent you two years ago. Banks do occasionally restructure branch codes during mergers or system upgrades, and an old code that used to work isn’t a guarantee it still does.

Common Mistakes That Delay SWIFT Transfers

Most delays trace back to one of these:

• Using a deprecated or slightly wrong branch code. Even one wrong character in the branch suffix (the last 3 characters) can misroute a transfer.
• Confusing SWIFT with IFSC when a foreign bank’s form asks for “bank code” — some forms are ambiguously labeled, so double-check which one they actually need before submitting.
• Typos, especially transposed letters — HDFCINBBCHE vs HDFCINBBCEH is an easy typo and a real one people make.
• Not confirming the receiving account details with the recipient before sending a large amount. A SWIFT code gets money to the right bank; it doesn’t fix a wrong account number.

What to Do If Your SWIFT Transfer Is Delayed or Sent to the Wrong Code

If a transfer hasn’t arrived when expected, here’s the actual sequence to follow rather than just waiting:

1. Contact the sending bank first, not HDFC. The sending bank initiated the SWIFT message and can trace it through the correspondent chain — this is usually faster than starting from the receiving end.
2. Ask for the transfer’s UETR (Unique End-to-end Transaction Reference) if it’s been more than 2–3 business days. This reference lets both banks track exactly where the payment is sitting in the correspondent chain.
3. If the wrong SWIFT code was used, the sending bank will need to issue a recall request. This can take anywhere from a few days to a few weeks depending on how many correspondent banks were involved and whether the funds already landed in an incorrect account.
4. Contact HDFC’s nodal branch or customer care if the sending bank confirms the funds reached HDFC’s systems but haven’t been credited to your account — at that point it’s an internal HDFC matter, not a correspondent banking one.

Realistically, a correctly-coded SWIFT transfer to HDFC takes 1–4 business days. If you’re past a week with no update, that’s the point to start actively tracing rather than assuming it’ll resolve itself.

Frequently Asked Questions

Is HDFC’s SWIFT code the same for all branches?

No, but the head office code (HDFCINBBXXX) works for most personal transfers regardless of branch, since your account number handles the internal routing.

What is HDFC Bank’s head office SWIFT code?

HDFCINBBXXX. This is the default code to use unless you’ve been specifically told to use a branch code.

Do I need both an IFSC and a SWIFT code for an international transfer?

Usually just the SWIFT code for the international leg. Some transfer forms ask for the IFSC as well, mainly so HDFC’s systems can route it to the exact branch — it doesn’t hurt to provide both if asked.

Does the SWIFT code differ for NRE and NRO accounts?

No. The SWIFT code is tied to the bank and branch, not the account type. NRE and NRO accounts at the same branch share the same SWIFT code.

How long does a SWIFT transfer to HDFC Bank take?

Typically 1–4 business days, depending on the number of correspondent banks in the chain and the currency involved.

What happens if I use the wrong SWIFT code?

The transfer can be delayed, rejected back to the sender, or in rare cases sent to an unrelated bank. If it’s already been sent, contact the sending bank immediately to request a recall or trace using the transfer’s reference number.

Need the SWIFT code for another Indian bank? Explore our complete SWIFT Code Directory for Indian Banks to quickly find verified SWIFT codes for SBI, ICICI, Axis Bank, PNB, and more.