IFSC Code of IDBI Bank, The Bardoli Nagrik Sahkari Bank Ltd Branch, Gujarat

If you are searching for the IFSC code of IDBI Bank, THE BARDOLI NAGRIK SAHKARI BANK LTD branch in BARDOLI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is IBKL0712BNS. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE BARDOLI NAGRIK SAHKARI BANK LTD branch, and detailed step-by-step guides for using the IFSC IBKL0712BNS across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, IBKL0712BNS is the IFSC of IDBI Bank's THE BARDOLI NAGRIK SAHKARI BANK LTD branch. The format is fixed: IBKL = bank code, 0 = reserved, 712BNS = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Bardoli Nagrik Sahkari Bank Ltd branch — IFSC IBKL0712BNS — extends the bank's services to customers in and around Bardoli, Gujarat.

About this branch

The branch is located at UPIL BAZAR BARDOLI DIST SURAT GUJARAT. It serves the Bardoli 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 IBKL0712BNS is used to identify this branch on the RBI payments network.

Branch details at a glance

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 THE BARDOLI NAGRIK SAHKARI BANK LTD branch came to be assigned the code IBKL0712BNS.

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 IBKL0712BNS, money simply cannot be routed to the THE BARDOLI NAGRIK SAHKARI BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Bardoli Nagrik Sahkari Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0712BNS for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IBKL0712BNS

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 IBKL0712BNS across all three.

NEFT to IDBI Bank, THE BARDOLI NAGRIK SAHKARI BANK LTD using IFSC IBKL0712BNS

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 IBKL0712BNS, and confirm that the system picks up IDBI Bank – THE BARDOLI NAGRIK SAHKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE BARDOLI NAGRIK SAHKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE BARDOLI NAGRIK SAHKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0712BNS while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank THE BARDOLI NAGRIK SAHKARI BANK LTD (IFSC IBKL0712BNS)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0712BNS in your mobile or internet banking app, and the money is credited to the THE BARDOLI NAGRIK SAHKARI BANK LTD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0712BNS for IDBI Bank – THE BARDOLI NAGRIK SAHKARI BANK LTD, 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.

For most retail customers crediting the The Bardoli Nagrik Sahkari Bank Ltd 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.

UPI payments and IFSC IBKL0712BNS

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 IDBI Bank – THE BARDOLI NAGRIK SAHKARI BANK LTD is still mapped to IFSC IBKL0712BNS. 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 IBKL0712BNS and the beneficiary's account number to complete the transfer.

Account types you can open at the The Bardoli Nagrik Sahkari Bank Ltd branch

Once you have an account at IDBI Bank – THE BARDOLI NAGRIK SAHKARI BANK LTD, the IFSC IBKL0712BNS 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 The Bardoli Nagrik Sahkari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9274336354.

• 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 IBKL0712BNS

Online banking and IFSC IBKL0712BNS

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE BARDOLI NAGRIK SAHKARI BANK LTD 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 IBKL0712BNS 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 The Bardoli Nagrik Sahkari Bank Ltd branch sits at UPIL BAZAR BARDOLI DIST SURAT GUJARAT. If you are travelling from outside Bardoli, search for the branch on a maps application using the bank name and locality, or call 91-9274336354 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 IBKL0712BNS and your account number.

Common mistakes to avoid when using IFSC IBKL0712BNS

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 – THE BARDOLI NAGRIK SAHKARI BANK LTD, 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: IBKL0712BNS.
• 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 The Bardoli Nagrik Sahkari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0712BNS, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0712BNS for IDBI Bank – THE BARDOLI NAGRIK SAHKARI BANK LTD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0712BNS belongs to IDBI Bank's THE BARDOLI NAGRIK SAHKARI BANK LTD branch, located at UPIL BAZAR BARDOLI DIST SURAT GUJARAT in BARDOLI, GUJARAT. 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.