Below are the complete branch details for IDBI Bank, BHARUCH branch, located in BHARUCH, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0000320. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0000320 for IDBI Bank – BHARUCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BHARUCH is IBKL0000320. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000320 map to this branch in BHARUCH, GUJARAT.
Bank profile
IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bharuch branch — IFSC IBKL0000320 — extends the bank's services to customers in and around Bharuch, Gujarat.
About the Bharuch branch
The Bharuch branch of IDBI Bank is situated at SHRI MANGALAM COMPLEX,B/H ADITYA COMPLEX,KASAK CIRCLE, BHARUCH-392001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IBKL0000320 is used.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Bharuch |
| IFSC Code | IBKL0000320 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHRI MANGALAM COMPLEX,B/H ADITYA COMPLEX,KASAK CIRCLE, BHARUCH-392001 |
| City | Bharuch |
| District | Bharuch |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9978963684 |
Why every IDBI 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 BHARUCH of IDBI Bank — its own 11-character IFSC. The code IBKL0000320 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 IBKL0000320 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Bharuch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0000320 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 IBKL0000320
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 IBKL0000320 across all three.
NEFT to IDBI Bank, BHARUCH using IFSC IBKL0000320
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 IBKL0000320, and confirm that the system picks up IDBI Bank – BHARUCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IBKL0000320
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 – BHARUCH, ensure your bank's portal accepts IFSC IBKL0000320 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to IDBI Bank – BHARUCH, use IMPS. With IFSC IBKL0000320 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 Bharuch
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 IBKL0000320:
- 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 BHARUCH is still linked to IFSC IBKL0000320.
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 IBKL0000320
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 – BHARUCH is still mapped to IFSC IBKL0000320. 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 IBKL0000320 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bharuch branch is mapped to IFSC IBKL0000320 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 IBKL0000320.
Banking services available
The Bharuch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9978963684.
- 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 IBKL0000320
Online banking and IFSC IBKL0000320
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the BHARUCH 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 IBKL0000320 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.
How to reach the Bharuch branch
The branch is located at SHRI MANGALAM COMPLEX,B/H ADITYA COMPLEX,KASAK CIRCLE, BHARUCH-392001, which puts it inside Bharuch, the broader Bharuch district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Bharuch branch” — the verified location pin for IFSC IBKL0000320 should appear at the top of the results.
- Confirm the branch is open by calling 91-9978963684 before stepping out, especially around public holidays.
- 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 IBKL0000320 and your account number.
Common mistakes to avoid when using IFSC IBKL0000320
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 – BHARUCH, 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:
IBKL0000320. - 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 Bharuch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0000320, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IBKL0000320 for IDBI Bank – BHARUCH, 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
IDBI BankBharuch Branch
SHRI MANGALAM COMPLEX,B/H ADITYA COMPLEX,KASAK CIRCLE, BHARUCH-392001
Bharuch, Gujarat
Phone: 91-9978963684
IFSC: IBKL0000320
Frequently asked questions
How quickly will an NEFT transfer using IBKL0000320 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Bharuch reflect within 30 minutes.
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 Bharuch branch but serve different purposes.
Does IDBI Bank Bharuch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9978963684 to confirm.
Is IFSC IBKL0000320 the same for all accounts at Bharuch branch?
Yes. The IFSC IBKL0000320 is shared by every account held at IDBI Bank's Bharuch branch. Only the account number changes from customer to customer.
How do I add IDBI Bank Bharuch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0000320, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is IDBI Bank Bharuch branch located?
IDBI Bank's Bharuch branch is located at SHRI MANGALAM COMPLEX,B/H ADITYA COMPLEX,KASAK CIRCLE, BHARUCH-392001, Bharuch, Gujarat.
Can I use IFSC IBKL0000320 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0000320 to send funds instantly.
Is IFSC IBKL0000320 valid for NEFT and RTGS?
Yes. IFSC IBKL0000320 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IBKL0000320 belongs to IDBI Bank's BHARUCH branch, located at SHRI MANGALAM COMPLEX,B/H ADITYA COMPLEX,KASAK CIRCLE, BHARUCH-392001 in BHARUCH, 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.
