Use this page as a one-stop reference for everything related to IDBI Bank's FARIDKOT branch in FARIDKOT, PUNJAB. The branch's IFSC code IBKL0000395 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, IBKL0000395 is the IFSC of IDBI Bank's FARIDKOT branch. The format is fixed: IBKL = bank code, 0 = reserved, 000395 = branch identifier.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Faridkot |
| IFSC Code | IBKL0000395 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LALCHANDANDSONSOPP SAINIK REST HOUSE TALAWANDI RD FARIDKOTPIN 151203 |
| City | Faridkot |
| District | Faridkot |
| State | Punjab |
| STD Code | 91 |
| Phone | 9872621492 |
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Faridkot branch in Faridkot. 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, IBKL0000395.
About the Faridkot branch
The Faridkot branch of IDBI Bank is situated at LALCHANDANDSONSOPP SAINIK REST HOUSE TALAWANDI RD FARIDKOTPIN 151203. 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 IBKL0000395 is used.
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 FARIDKOT of IDBI Bank — its own 11-character IFSC. The code IBKL0000395 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 IBKL0000395 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IBKL0000395
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 IBKL0000395 across all three.
How to use IFSC IBKL0000395 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's FARIDKOT 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 IBKL0000395.
- Confirm the bank name auto-populates as IDBI Bank and the branch as FARIDKOT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IBKL0000395
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 – FARIDKOT, ensure your bank's portal accepts IFSC IBKL0000395 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank FARIDKOT (IFSC IBKL0000395)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0000395 in your mobile or internet banking app, and the money is credited to the FARIDKOT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0000395 for IDBI Bank – FARIDKOT, 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 – IBKL0000395 | Yes – IBKL0000395 | Yes – IBKL0000395 |
For most retail customers crediting the Faridkot 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 FARIDKOT branch, the IFSC IBKL0000395 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.
Products and account variants supported
Every account opened at the Faridkot branch is mapped to IFSC IBKL0000395 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 IBKL0000395.
Banking services available
The Faridkot branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9872621492.
- 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 IBKL0000395
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 IBKL0000395 and the account number together uniquely identify the Faridkot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Faridkot branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IBKL0000395 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC IBKL0000395
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 – FARIDKOT, 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:
IBKL0000395. - 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.
How to reach the Faridkot branch
The branch is located at LALCHANDANDSONSOPP SAINIK REST HOUSE TALAWANDI RD FARIDKOTPIN 151203, which puts it inside Faridkot, the broader Faridkot district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Faridkot branch” — the verified location pin for IFSC IBKL0000395 should appear at the top of the results.
- Confirm the branch is open by calling 91-9872621492 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 IBKL0000395 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IBKL0000395 for IDBI Bank – FARIDKOT, 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.
Working hours
Branch counters at Faridkot 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 IBKL0000395 continue to work without interruption.
Branch address & contact
IDBI BankFaridkot Branch
LALCHANDANDSONSOPP SAINIK REST HOUSE TALAWANDI RD FARIDKOTPIN 151203
Faridkot, Punjab
Phone: 91-9872621492
IFSC: IBKL0000395
Frequently asked questions
Can I use IFSC IBKL0000395 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0000395 to send funds instantly.
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 Faridkot branch but serve different purposes.
How quickly will an NEFT transfer using IBKL0000395 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Faridkot reflect within 30 minutes.
Is IFSC IBKL0000395 the same for all accounts at Faridkot branch?
Yes. The IFSC IBKL0000395 is shared by every account held at IDBI Bank's Faridkot branch. Only the account number changes from customer to customer.
Where is IDBI Bank Faridkot branch located?
IDBI Bank's Faridkot branch is located at LALCHANDANDSONSOPP SAINIK REST HOUSE TALAWANDI RD FARIDKOTPIN 151203, Faridkot, Punjab.
Is IFSC IBKL0000395 valid for NEFT and RTGS?
Yes. IFSC IBKL0000395 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add IDBI Bank Faridkot as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0000395, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of IDBI Bank Faridkot branch?
You can reach the branch at 91-9872621492 during regular banking hours.
Summary
The IFSC code IBKL0000395 belongs to IDBI Bank's FARIDKOT branch, located at LALCHANDANDSONSOPP SAINIK REST HOUSE TALAWANDI RD FARIDKOTPIN 151203 in FARIDKOT, PUNJAB. 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.
