IFSC Code of IDBI Bank, The Bhagalpur Central Co Operative Bank Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, THE BHAGALPUR CENTRAL CO OPERATIVE BANK branch in BHAGALPUR. The 11-digit IFSC IBKL0721BCC 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 IDBI Bank at the THE BHAGALPUR CENTRAL CO OPERATIVE BANK 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 IDBI Bank – THE BHAGALPUR CENTRAL CO OPERATIVE BANK is IBKL0721BCC. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 721BCC map to this branch in BHAGALPUR, BIHAR.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Bhagalpur Central Co Operative Bank branch in Bhagalpur. 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, IBKL0721BCC.

About this branch

The branch is located at AT JAGESHWAR BHAWAN, RED CROSS ROAD, ADAMPUR, BHAGAPUR 812001. It serves the Bhagalpur 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 IBKL0721BCC is used to identify this branch on the RBI payments network.

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 BHAGALPUR CENTRAL CO OPERATIVE BANK branch came to be assigned the code IBKL0721BCC.

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 IBKL0721BCC, money simply cannot be routed to the THE BHAGALPUR CENTRAL CO OPERATIVE BANK branch electronically.

How to transfer money using IFSC IBKL0721BCC

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 IBKL0721BCC across all three.

NEFT to IDBI Bank, THE BHAGALPUR CENTRAL CO OPERATIVE BANK using IFSC IBKL0721BCC

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 IBKL0721BCC, and confirm that the system picks up IDBI Bank – THE BHAGALPUR CENTRAL CO OPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0721BCC

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 IDBI Bank – THE BHAGALPUR CENTRAL CO OPERATIVE BANK, ensure your bank's portal accepts IFSC IBKL0721BCC while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – THE BHAGALPUR CENTRAL CO OPERATIVE BANK, use IMPS. With IFSC IBKL0721BCC 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 The Bhagalpur Central Co Operative Bank

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 IBKL0721BCC:

• 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 THE BHAGALPUR CENTRAL CO OPERATIVE BANK is still linked to IFSC IBKL0721BCC.

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 IBKL0721BCC

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 BHAGALPUR CENTRAL CO OPERATIVE BANK is still mapped to IFSC IBKL0721BCC. 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 IBKL0721BCC and the beneficiary's account number to complete the transfer.

Account types you can open at the The Bhagalpur Central Co Operative Bank branch

Once you have an account at IDBI Bank – THE BHAGALPUR CENTRAL CO OPERATIVE BANK, the IFSC IBKL0721BCC 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 Bhagalpur Central Co Operative Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 641-2420477.

• 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 IBKL0721BCC

MICR & cheque-truncation details

Cheques drawn on the The Bhagalpur Central Co Operative Bank branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0721BCC for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IBKL0721BCC

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE BHAGALPUR CENTRAL CO OPERATIVE BANK 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 IBKL0721BCC 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.

Common mistakes to avoid when using IFSC IBKL0721BCC

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 BHAGALPUR CENTRAL CO OPERATIVE BANK, 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: IBKL0721BCC.
• 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.

Reaching the branch

The The Bhagalpur Central Co Operative Bank branch sits at AT JAGESHWAR BHAWAN, RED CROSS ROAD, ADAMPUR, BHAGAPUR 812001. If you are travelling from outside Bhagalpur, search for the branch on a maps application using the bank name and locality, or call 641-2420477 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 IBKL0721BCC and your account number.

Verifying IFSC IBKL0721BCC 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 IBKL0721BCC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 641-2420477.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Bhagalpur Central Co Operative Bank are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IBKL0721BCC continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0721BCC belongs to IDBI Bank's THE BHAGALPUR CENTRAL CO OPERATIVE BANK branch, located at AT JAGESHWAR BHAWAN, RED CROSS ROAD, ADAMPUR, BHAGAPUR 812001 in BHAGALPUR, 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.