HDFC Bank IFSC Code FOCAL POINT - LUDHIANA Branch in LUDHIANA can be used for internet banking for transferring funds between any two bank branches. This is IFSC Code for HDFC Bank FOCAL POINT - LUDHIANA Branch in LUDHIANA allocated by RBI. Before using this FOCAL POINT - LUDHIANA Branch LUDHIANA HDFC Bank IFSC Code, kindly cross check the respective bank website. This HDFC Bank FOCAL POINT - LUDHIANA Branch IFSC Code in LUDHIANA supporting net banking has its unique IFSC code. FOCAL POINT - LUDHIANA 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.