IFSC Code of IDBI Bank, Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga Branch, Karnataka

If you are searching for the IFSC code of IDBI Bank, SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA branch in GULBARGA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is IBKL0876SMV. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA branch, and detailed step-by-step guides for using the IFSC IBKL0876SMV across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IBKL0876SMV is the IFSC of IDBI Bank's SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA branch. The format is fixed: IBKL = bank code, 0 = reserved, 876SMV = branch identifier.

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 Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga branch — IFSC IBKL0876SMV — extends the bank's services to customers in and around Gulbarga, Karnataka.

About this branch

The branch is located at PLOT NO 261,GAMPA COMPLEX,SUPER MARKET,GULBARGA 585101. It serves the Gulbarga 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 IBKL0876SMV 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 SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA branch came to be assigned the code IBKL0876SMV.

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 IBKL0876SMV, money simply cannot be routed to the SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA branch electronically.

How to transfer money using IFSC IBKL0876SMV

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 IBKL0876SMV across all three.

NEFT to IDBI Bank, SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA using IFSC IBKL0876SMV

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 IBKL0876SMV, and confirm that the system picks up IDBI Bank – SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0876SMV

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 – SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA, ensure your bank's portal accepts IFSC IBKL0876SMV while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA, use IMPS. With IFSC IBKL0876SMV 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 Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga

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 IBKL0876SMV:

• 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 SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA is still linked to IFSC IBKL0876SMV.

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 IBKL0876SMV

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 – SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA is still mapped to IFSC IBKL0876SMV. 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 IBKL0876SMV and the beneficiary's account number to complete the transfer.

Account types you can open at the Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga branch

Once you have an account at IDBI Bank – SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA, the IFSC IBKL0876SMV 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 Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga 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 IBKL0876SMV

MICR & cheque-truncation details

Cheques drawn on the Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0876SMV for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga 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 IBKL0876SMV 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 – SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA:

• The IFSC is exactly IBKL0876SMV 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 SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA 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 Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga branch sits at PLOT NO 261,GAMPA COMPLEX,SUPER MARKET,GULBARGA 585101. If you are travelling from outside Gulbarga, search for the branch on a maps application using the bank name and locality, or call 8472-232898 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 IBKL0876SMV and your account number.

Verifying IFSC IBKL0876SMV 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 IBKL0876SMV by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8472-232898.
• Visiting the bank's official branch locator page.

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 Sir M Vishwesharaiah Sahakar Bank Niyamitha Gulbarga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0876SMV, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0876SMV is the IFSC code of IDBI Bank, SIR M VISHWESHARAIAH SAHAKAR BANK NIYAMITHA GULBARGA branch, in GULBARGA, KARNATAKA. 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.