IFSC Code of IDBI Bank, Bhagwanpur Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, BHAGWANPUR branch in BHAGWANPUR. The 11-digit IFSC IBKL0002076 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 BHAGWANPUR 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.

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, IBKL0002076 is the IFSC of IDBI Bank's BHAGWANPUR branch. The format is fixed: IBKL = bank code, 0 = reserved, 002076 = branch identifier.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhagwanpur branch in Bhagwanpur, Bihar is part of this network and uses the IFSC code IBKL0002076 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at R K TOWER BIBIGANJ CHOWK,NH 28,BHAGWANPUR,MUZAFFARPUR -842003. It serves the Bhagwanpur 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 IBKL0002076 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 BHAGWANPUR branch came to be assigned the code IBKL0002076.

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 IBKL0002076, money simply cannot be routed to the BHAGWANPUR branch electronically.

Products and account variants supported

Every account opened at the Bhagwanpur branch is mapped to IFSC IBKL0002076 on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains IBKL0002076.

Banking services available

The Bhagwanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9546496040.

• 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 IBKL0002076

How to transfer money using IFSC IBKL0002076

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 IBKL0002076 across all three.

How to use IFSC IBKL0002076 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's BHAGWANPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0002076.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as BHAGWANPUR.
5. 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 BHAGWANPUR

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's BHAGWANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0002076 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank BHAGWANPUR (IFSC IBKL0002076)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0002076 in your mobile or internet banking app, and the money is credited to the BHAGWANPUR branch account within seconds.

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

All three modes accept the IFSC IBKL0002076 for IDBI Bank – BHAGWANPUR, 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 Bhagwanpur 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 BHAGWANPUR branch, the IFSC IBKL0002076 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.

Online banking and IFSC IBKL0002076

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the BHAGWANPUR 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 IBKL0002076 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 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 IBKL0002076 and the account number together uniquely identify the Bhagwanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 IDBI Bank – BHAGWANPUR:

• The IFSC is exactly IBKL0002076 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and BHAGWANPUR 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.

Reaching the branch

The Bhagwanpur branch sits at R K TOWER BIBIGANJ CHOWK,NH 28,BHAGWANPUR,MUZAFFARPUR -842003. If you are travelling from outside Bhagwanpur, search for the branch on a maps application using the bank name and locality, or call 91-9546496040 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 IBKL0002076 and your account number.

Verifying IFSC IBKL0002076 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 IBKL0002076 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9546496040.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bhagwanpur 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 IBKL0002076 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0002076 belongs to IDBI Bank's BHAGWANPUR branch, located at R K TOWER BIBIGANJ CHOWK,NH 28,BHAGWANPUR,MUZAFFARPUR -842003 in BHAGWANPUR, 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.