This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, HOJAI branch in HOJAI. The 11-digit IFSC IBKL0002147 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the HOJAI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, IBKL0002147 is the IFSC of IDBI Bank's HOJAI branch. The format is fixed: IBKL = bank code, 0 = reserved, 002147 = branch identifier.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Hojai |
| IFSC Code | IBKL0002147 |
| MICR Code | Refer to cheque leaf |
| Branch Address | J K KEDIA ROAD,P O AND DISTRICT HOJAI,ASSAMPIN 782435 |
| City | Hojai |
| District | Nagaon |
| State | Assam |
| STD Code | 91 |
| Phone | 9085438971 |
About the bank
IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hojai branch in Hojai, Assam is part of this network and uses the IFSC code IBKL0002147 for all electronic settlement.
About the Hojai branch
The Hojai branch of IDBI Bank is situated at J K KEDIA ROAD,P O AND DISTRICT HOJAI,ASSAMPIN 782435. 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 IBKL0002147 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 HOJAI branch came to be assigned the code IBKL0002147.
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 IBKL0002147, money simply cannot be routed to the HOJAI branch electronically.
How to transfer money using IFSC IBKL0002147
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 IBKL0002147 across all three.
How to use IFSC IBKL0002147 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's HOJAI 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 IBKL0002147.
- Confirm the bank name auto-populates as IDBI Bank and the branch as HOJAI.
- 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 HOJAI
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's HOJAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0002147 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 – HOJAI, use IMPS. With IFSC IBKL0002147 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0002147 for IDBI Bank – HOJAI, 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 – IBKL0002147 | Yes – IBKL0002147 | Yes – IBKL0002147 |
For most retail customers crediting the Hojai 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.
UPI payments and IFSC IBKL0002147
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 – HOJAI is still mapped to IFSC IBKL0002147. 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 IBKL0002147 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Hojai branch is mapped to IFSC IBKL0002147 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 IBKL0002147.
Products and services
Customers walking into the Hojai 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 IBKL0002147
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 IBKL0002147 and the account number together uniquely identify the Hojai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IBKL0002147
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the HOJAI 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 IBKL0002147 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.
Common mistakes to avoid when using IFSC IBKL0002147
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 – HOJAI, 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:
IBKL0002147. - 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 Hojai branch
The branch is located at J K KEDIA ROAD,P O AND DISTRICT HOJAI,ASSAMPIN 782435, which puts it inside Hojai, the broader Nagaon district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Hojai branch” — the verified location pin for IFSC IBKL0002147 should appear at the top of the results.
- Confirm the branch is open by calling 91-9085438971 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 IBKL0002147 and your account number.
Verifying IFSC IBKL0002147 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 IBKL0002147 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9085438971.
- 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 Hojai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0002147, however, work 24x7.
Branch address & contact
IDBI BankHojai Branch
J K KEDIA ROAD,P O AND DISTRICT HOJAI,ASSAMPIN 782435
Hojai, Assam
Phone: 91-9085438971
IFSC: IBKL0002147
Frequently asked questions
Does IDBI Bank Hojai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9085438971 to confirm.
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 Hojai branch but serve different purposes.
What is the phone number of IDBI Bank Hojai branch?
You can reach the branch at 91-9085438971 during regular banking hours.
Is IFSC IBKL0002147 the same for all accounts at Hojai branch?
Yes. The IFSC IBKL0002147 is shared by every account held at IDBI Bank's Hojai branch. Only the account number changes from customer to customer.
How do I add IDBI Bank Hojai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0002147, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IBKL0002147 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Hojai reflect within 30 minutes.
Summary
The IFSC code IBKL0002147 belongs to IDBI Bank's HOJAI branch, located at J K KEDIA ROAD,P O AND DISTRICT HOJAI,ASSAMPIN 782435 in HOJAI, ASSAM. 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.
