Use this page as a one-stop reference for everything related to IDBI Bank's KHADGAWAN KALAN branch in AMBIKAPUR, CHHATTISGARH. The branch's IFSC code IBKL0001897 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IBKL0001897 is the IFSC of IDBI Bank's KHADGAWAN KALAN branch. The format is fixed: IBKL = bank code, 0 = reserved, 001897 = branch identifier.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Khadgawan Kalan branch in Ambikapur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL0001897.
About this branch
The branch is located at VILLAGE KHADGAWANKALAN,PRATAPPUR ROAD,DISTRICT,SURAJPUR,CHHATTISGARH,PIN - 49722. It serves the Ambikapur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0001897 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Khadgawan Kalan |
| IFSC Code | IBKL0001897 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE KHADGAWANKALAN,PRATAPPUR ROAD,DISTRICT,SURAJPUR,CHHATTISGARH,PIN - 49722 |
| City | Ambikapur |
| District | Surguja |
| State | Chhattisgarh |
| STD Code | 91 |
| Phone | 7566208544 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how IDBI Bank's KHADGAWAN KALAN branch came to be assigned the code IBKL0001897.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IBKL0001897, money simply cannot be routed to the KHADGAWAN KALAN branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL0001897 and the account number together uniquely identify the Khadgawan Kalan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IBKL0001897
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 IBKL0001897 across all three.
How to use IFSC IBKL0001897 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's KHADGAWAN KALAN branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IBKL0001897.
- Confirm the bank name auto-populates as IDBI Bank and the branch as KHADGAWAN KALAN.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KHADGAWAN KALAN
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's KHADGAWAN KALAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0001897 while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank KHADGAWAN KALAN (IFSC IBKL0001897)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0001897 in your mobile or internet banking app, and the money is credited to the KHADGAWAN KALAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0001897 for IDBI Bank – KHADGAWAN KALAN, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IBKL0001897 | Yes – IBKL0001897 | Yes – IBKL0001897 |
For most retail customers crediting the Khadgawan Kalan branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDBI Bank's KHADGAWAN KALAN branch, the IFSC IBKL0001897 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Account types you can open at the Khadgawan Kalan branch
Once you have an account at IDBI Bank – KHADGAWAN KALAN, the IFSC IBKL0001897 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.
Products and services
Customers walking into the Khadgawan Kalan branch can access most of IDBI Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IBKL0001897
Online banking and IFSC IBKL0001897
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KHADGAWAN KALAN 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 IBKL0001897 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.
Reaching the branch
The Khadgawan Kalan branch sits at VILLAGE KHADGAWANKALAN,PRATAPPUR ROAD,DISTRICT,SURAJPUR,CHHATTISGARH,PIN - 49722. If you are travelling from outside Ambikapur, search for the branch on a maps application using the bank name and locality, or call 91-7566208544 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IBKL0001897 and your account number.
Common mistakes to avoid when using IFSC IBKL0001897
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDBI Bank – KHADGAWAN KALAN, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IBKL0001897. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
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 Khadgawan Kalan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0001897, however, work 24x7.
Verifying IFSC IBKL0001897 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 IBKL0001897 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7566208544.
- Visiting the bank's official branch locator page.
Branch address & contact
IDBI BankKhadgawan Kalan Branch
VILLAGE KHADGAWANKALAN,PRATAPPUR ROAD,DISTRICT,SURAJPUR,CHHATTISGARH,PIN - 49722
Ambikapur, Chhattisgarh
Phone: 91-7566208544
IFSC: IBKL0001897
Frequently asked questions
How do I add IDBI Bank Khadgawan Kalan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0001897, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Khadgawan Kalan branch but serve different purposes.
How quickly will an NEFT transfer using IBKL0001897 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Khadgawan Kalan reflect within 30 minutes.
Can I use IFSC IBKL0001897 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0001897 to send funds instantly.
Is IFSC IBKL0001897 the same for all accounts at Khadgawan Kalan branch?
Yes. The IFSC IBKL0001897 is shared by every account held at IDBI Bank's Khadgawan Kalan branch. Only the account number changes from customer to customer.
Is IFSC IBKL0001897 valid for NEFT and RTGS?
Yes. IFSC IBKL0001897 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of IDBI Bank Khadgawan Kalan branch?
The IFSC code of IDBI Bank, Khadgawan Kalan branch is IBKL0001897. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of IDBI Bank Khadgawan Kalan branch?
You can reach the branch at 91-7566208544 during regular banking hours.
Final notes
To recap: IBKL0001897 is the IFSC code of IDBI Bank, KHADGAWAN KALAN branch, in AMBIKAPUR, CHHATTISGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
