IFSC Code of IDBI Bank, Rac Gandhinagar Branch, Gujarat

Use this page as a one-stop reference for everything related to IDBI Bank's RAC GANDHINAGAR branch in GANDHINAGAR, GUJARAT. The branch's IFSC code IBKL0008046 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.

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 RAC GANDHINAGAR branch, the IFSC IBKL0008046 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 008046 identifies this particular branch.

Branch details at a glance

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rac Gandhinagar branch — IFSC IBKL0008046 — extends the bank's services to customers in and around Gandhinagar, Gujarat.

About the Rac Gandhinagar branch

The Rac Gandhinagar branch of IDBI Bank is situated at 8TH FLOOR GIFT ONE TOWER GIFT CITY GANDHINAGAR GUJARAT 382355. 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 IBKL0008046 is used.

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 RAC GANDHINAGAR branch came to be assigned the code IBKL0008046.

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 IBKL0008046, money simply cannot be routed to the RAC GANDHINAGAR branch electronically.

How to transfer money using IFSC IBKL0008046

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 IBKL0008046 across all three.

How to use IFSC IBKL0008046 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's RAC GANDHINAGAR 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 IBKL0008046.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as RAC GANDHINAGAR.
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 RAC GANDHINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RAC GANDHINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0008046 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank RAC GANDHINAGAR (IFSC IBKL0008046)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0008046 in your mobile or internet banking app, and the money is credited to the RAC GANDHINAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rac Gandhinagar

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 IBKL0008046:

• 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 RAC GANDHINAGAR is still linked to IFSC IBKL0008046.

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 IBKL0008046

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 – RAC GANDHINAGAR is still mapped to IFSC IBKL0008046. 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 IBKL0008046 and the beneficiary's account number to complete the transfer.

Account types you can open at the Rac Gandhinagar branch

Once you have an account at IDBI Bank – RAC GANDHINAGAR, the IFSC IBKL0008046 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.

Products and services

Customers walking into the Rac Gandhinagar branch can access most of IDBI Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC IBKL0008046

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 IBKL0008046 and the account number together uniquely identify the Rac Gandhinagar 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 Rac Gandhinagar 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 IBKL0008046 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.

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 – RAC GANDHINAGAR:

• The IFSC is exactly IBKL0008046 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 RAC GANDHINAGAR 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.

How to reach the Rac Gandhinagar branch

The branch is located at 8TH FLOOR GIFT ONE TOWER GIFT CITY GANDHINAGAR GUJARAT 382355, which puts it inside Gandhinagar, the broader Gandhinagar district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Rac Gandhinagar branch” — the verified location pin for IFSC IBKL0008046 should appear at the top of the results.
2. Confirm the branch is open by calling 79-9924946466 before stepping out, especially around public holidays.
3. 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 IBKL0008046 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0008046 for IDBI Bank – RAC GANDHINAGAR, 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 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 Rac Gandhinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0008046, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0008046 is the IFSC code of IDBI Bank, RAC GANDHINAGAR branch, in GANDHINAGAR, GUJARAT. 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.