HDFC Bank IFSC Code BIJA Branch in LUDHIANA can be used for internet banking for transferring funds between any two bank branches. This is IFSC Code for HDFC Bank BIJA Branch in LUDHIANA allocated by RBI. Before using this BIJA Branch LUDHIANA HDFC Bank IFSC Code, kindly cross check the respective bank website. This HDFC Bank BIJA Branch IFSC Code in LUDHIANA supporting net banking has its unique IFSC code. BIJA Branch LUDHIANA HDFC Bank IFSC Code is a unique code which helps to identity the bank location too. NOTE that only those branches of a bank which are approved by RBI can provide net transfer systems.