• Indian Bank IFSC and MICR Code:

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    Indian Bank IFSC Code:

    Indian Bank IFSC Code

    The IFSC is an 11 digit alphanumeric code which consists of three parts – first 4 characters represent the name of the bank, the fifth character is always zero, reserved for future use. The last 6 characters represent the branch. The Indian Bank IFSC code for the Nasik city branch is IDIB000N016, where the first 4 characters ‘IDIB’’ represent the name of the bank. The fifth character is zero and the following 6 characters ‘00N016’ represent the branch.

    NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) are two important services introduced by the RBI to facilitate safe and quick interbank fund transfers. Both these services can only be used with the help of a unique code known as the IFSC code. This code itself is issued to each bank participating in the NEFT network and helps in regulating all monetary transfers. This code is indispensable as it identifies the source and destination bank in the event of a transaction.

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    How to Search Indian Bank IFSC & MICR Codes

    You can easily find the Indian Bank IFSC code or MICR code on the cheque leaves of cheque books issued by your Indian Bank branch. You may also find the IFSC codes on many third party websites. Alternately, you can go to the BankBazaar website where finding IFSC codes is as easy as 1 2 3. Simply go to the bottom of the website’s main page and click on ‘’Bank IFSC code’’’. Clicking on that will take you to another page where you must provide information pertaining to the name of the bank you’re looking for. Once you’ve supplied the necessary details, the page will immediately display the information like the IFSC code, MICR code, address and contact details of the branch.

    Indian bank has made it thoroughly easy or its customers to transfer money safely and securely to other Indian Bank accounts as well as accounts held with other banks. Customers can make use of NEF and RTGS services offered by the bank.


    NEFT or National Electronic Funds Transfer is an electronic payment method which is highly secure for carrying out monetary transactions between banks within India. Any customer of a CBS branch can carry out an NEFT transaction, without any limits on the amount of the transaction. Non customers of the bank can carry out NEFT transactions only against cash remittance of a maximum of Rs 50,000. Transfer of funds can be done from any account in any bank within the same day, provided the branch is NEFT enabled. Customers must provide details like the beneficiary’s name, account number, address, bank and branch IFSC code to initiate NEFT transactions. Timings for NEFT transactions are fixed between 8 AM to 7 PM, for weekdays. For Saturdays, customers can perform NEFT transactions only between 8 am to 1 PM. All NEFT transactions will be done on an hourly basis.


    RTGS or Real Time Gross Settlement is another method of making electronic payments which is used for high value monetary transfers. RTGS transactions are much quicker as they take place in real time, which means that the transaction is processed as soon as the bank received instructions for it. So transactions are carried out as soon as they’re requested, one at a time. The minimum amount for an RTGS transaction is Rs 2 lakh and the customer must provide necessary information like the beneficiary’s name, account number, address, bank and branch name and IFSC code for the particular branch to which the money is being remitted.

    Type of Transactions



    Customer Transactions


    8 AM – 4:30 PM

    Customer Transactions


    8 AM – 2 PM

    Inter Bank Transactions


    8 AM – 7:45 PM

    Inter Bank Transactions


    8 AM – 3 PM

    Established in very early 1900’s, Indian Bank is one of the nation’s top public sector banks. It is headquartered in Chennai with which has branches not only within India but overseas as well. Having displayed rapid and steady growth over the years, the bank now boasts of a whopping revenue of Rs 2119.88 billion. Serving a diverse customer base, the bank offers a suite of financial services and products surrounding consumer banking, finance, insurance, mortgage, loans, savings, private banking, investment banking, and credit cards, among others.

    Other IFSC Related Article

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    News Related to Indian Bank IFSC Code
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      Shyamala Gopinath, past Assistant Governor of RBI, has said that Indian banks are already implementing Basel-III norms in a phased way and are gradually moving ahead towards this international standard. Ms. Gopinath said this at an Assocham occasion here. She also vouched that a greater ratio as per the Basel II and III were not exactly similar.

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      Banking customers can easily perform various transactions like fund transfers with IFSC codes to any account across the country, get mini statements and make enquiries using the mobile application as per an Indian Bank statement that was released recently.

      1st September 2015

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