IFSC Code of FINO Payments Bank, Chhapara Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for FINO Payments Bank, CHHAPARA branch in SARAN. The 11-digit IFSC FINO0001306 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with FINO Payments Bank at the CHHAPARA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for FINO Payments Bank – CHHAPARA is FINO0001306. The first four letters FINO are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001306 map to this branch in SARAN, BIHAR.

About the bank

FINO Payments Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chhapara branch in Saran, Bihar is part of this network and uses the IFSC code FINO0001306 for all electronic settlement.

Branch details at a glance

Chhapara branch overview

Located at SARKARI BAZAR,TULSI GALI,CHHAPRA -841301, the Chhapara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC FINO0001306 is required for all interbank electronic transfers routed through this branch.

Why every FINO Payments Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CHHAPARA of FINO Payments Bank — its own 11-character IFSC. The code FINO0001306 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC FINO0001306 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Chhapara branch

Once you have an account at FINO Payments Bank – CHHAPARA, the IFSC FINO0001306 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Chhapara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8540013969.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC FINO0001306

How to transfer money using IFSC FINO0001306

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC FINO0001306 across all three.

NEFT to FINO Payments Bank, CHHAPARA using IFSC FINO0001306

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC FINO0001306, and confirm that the system picks up FINO Payments Bank – CHHAPARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC FINO0001306

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to FINO Payments Bank – CHHAPARA, ensure your bank's portal accepts IFSC FINO0001306 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to FINO Payments Bank – CHHAPARA, use IMPS. With IFSC FINO0001306 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Chhapara

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC FINO0001306:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHHAPARA is still linked to IFSC FINO0001306.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC FINO0001306

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at FINO Payments Bank – CHHAPARA is still mapped to IFSC FINO0001306. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC FINO0001306 and the beneficiary's account number to complete the transfer.

Online banking and IFSC FINO0001306

FINO Payments Bank customers can register for net banking and the bank's official mobile app once their account at the CHHAPARA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC FINO0001306 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Chhapara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC FINO0001306 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to FINO Payments Bank – CHHAPARA:

• The IFSC is exactly FINO0001306 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills FINO Payments Bank as the bank name and CHHAPARA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Chhapara branch

The branch is located at SARKARI BAZAR,TULSI GALI,CHHAPRA -841301, which puts it inside Saran, the broader Saran district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “FINO Payments Bank Chhapara branch” — the verified location pin for IFSC FINO0001306 should appear at the top of the results.
2. Confirm the branch is open by calling 8540013969 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC FINO0001306 and your account number.

Verifying IFSC FINO0001306 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm FINO0001306 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8540013969.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chhapara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC FINO0001306, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FINO0001306 belongs to FINO Payments Bank's CHHAPARA branch, located at SARKARI BAZAR,TULSI GALI,CHHAPRA -841301 in SARAN, BIHAR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.