IFSC Code of IDBI Bank, Gajuwaka Branch, Andhra Pradesh

Below are the complete branch details for IDBI Bank, GAJUWAKA branch, located in GAJUWAKA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0001010. 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 IBKL0001010 for IDBI Bank – GAJUWAKA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For IDBI Bank's GAJUWAKA branch, the IFSC IBKL0001010 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 001010 identifies this particular branch.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gajuwaka branch in Gajuwaka, Andhra Pradesh is part of this network and uses the IFSC code IBKL0001010 for all electronic settlement.

About the Gajuwaka branch

The Gajuwaka branch of IDBI Bank is situated at D.NO 6-60-24, GROUND FLOOR,JAYASURYA COMPLEX,SRAMIK NAGAR,GAJUWAKA,VISAKHAPATNAM-530026. 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 IBKL0001010 is used.

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 GAJUWAKA branch came to be assigned the code IBKL0001010.

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 IBKL0001010, money simply cannot be routed to the GAJUWAKA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Gajuwaka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0001010 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 IBKL0001010

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 IBKL0001010 across all three.

How to use IFSC IBKL0001010 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's GAJUWAKA 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 IBKL0001010.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as GAJUWAKA.
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 GAJUWAKA

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's GAJUWAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0001010 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – GAJUWAKA, use IMPS. With IFSC IBKL0001010 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 Gajuwaka

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 IBKL0001010:

• 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 GAJUWAKA is still linked to IFSC IBKL0001010.

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.

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 GAJUWAKA branch, the IFSC IBKL0001010 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.

Account types you can open at the Gajuwaka branch

Once you have an account at IDBI Bank – GAJUWAKA, the IFSC IBKL0001010 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 Gajuwaka branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9885703132.

• 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 IBKL0001010

Online banking and IFSC IBKL0001010

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the GAJUWAKA 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 IBKL0001010 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 Gajuwaka branch sits at D.NO 6-60-24, GROUND FLOOR,JAYASURYA COMPLEX,SRAMIK NAGAR,GAJUWAKA,VISAKHAPATNAM-530026. If you are travelling from outside Gajuwaka, search for the branch on a maps application using the bank name and locality, or call 91-9885703132 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 IBKL0001010 and your account number.

Common mistakes to avoid when using IFSC IBKL0001010

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 – GAJUWAKA, 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: IBKL0001010.
• 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 Gajuwaka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0001010, however, work 24x7.

Verifying IFSC IBKL0001010 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 IBKL0001010 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9885703132.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0001010 is the IFSC code of IDBI Bank, GAJUWAKA branch, in GAJUWAKA, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.