If you are searching for the IFSC code of IDBI Bank, BALDHIAMAL branch in JUNAGARH, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IBKL0002138. 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 BALDHIAMAL branch, and detailed step-by-step guides for using the IFSC IBKL0002138 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for IDBI Bank – BALDHIAMAL is IBKL0002138. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002138 map to this branch in JUNAGARH, ODISHA.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Baldhiamal branch in Junagarh. 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, IBKL0002138.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Baldhiamal |
| IFSC Code | IBKL0002138 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT -PO - BALDHIAMAL,VIA - MAHICHALA,PS - JUNAGARH |
| City | Junagarh |
| District | Kalahandi |
| State | Odisha |
| STD Code | 91 |
| Phone | 7276685231 |
About this branch
The branch is located at AT -PO - BALDHIAMAL,VIA - MAHICHALA,PS - JUNAGARH. It serves the Junagarh 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 IBKL0002138 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 BALDHIAMAL branch came to be assigned the code IBKL0002138.
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 IBKL0002138, money simply cannot be routed to the BALDHIAMAL branch electronically.
Account types you can open at the Baldhiamal branch
Once you have an account at IDBI Bank – BALDHIAMAL, the IFSC IBKL0002138 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 Baldhiamal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7276685231.
- 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 IBKL0002138
How to transfer money using IFSC IBKL0002138
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 IBKL0002138 across all three.
NEFT to IDBI Bank, BALDHIAMAL using IFSC IBKL0002138
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 IBKL0002138, and confirm that the system picks up IDBI Bank – BALDHIAMAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BALDHIAMAL
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's BALDHIAMAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0002138 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 – BALDHIAMAL, use IMPS. With IFSC IBKL0002138 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 IBKL0002138 for IDBI Bank – BALDHIAMAL, 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 – IBKL0002138 | Yes – IBKL0002138 | Yes – IBKL0002138 |
For most retail customers crediting the Baldhiamal 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 IBKL0002138
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 – BALDHIAMAL is still mapped to IFSC IBKL0002138. 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 IBKL0002138 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Baldhiamal 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 IBKL0002138 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.
MICR & cheque-truncation details
Cheques drawn on the Baldhiamal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0002138 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IBKL0002138
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 – BALDHIAMAL, 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:
IBKL0002138. - 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 Baldhiamal branch
The branch is located at AT -PO - BALDHIAMAL,VIA - MAHICHALA,PS - JUNAGARH, which puts it inside Junagarh, the broader Kalahandi district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Baldhiamal branch” — the verified location pin for IFSC IBKL0002138 should appear at the top of the results.
- Confirm the branch is open by calling 91-7276685231 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 IBKL0002138 and your account number.
Verifying IFSC IBKL0002138 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 IBKL0002138 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7276685231.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Baldhiamal 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 IBKL0002138 continue to work without interruption.
Branch address & contact
IDBI BankBaldhiamal Branch
AT -PO - BALDHIAMAL,VIA - MAHICHALA,PS - JUNAGARH
Junagarh, Odisha
Phone: 91-7276685231
IFSC: IBKL0002138
Frequently asked questions
Can I use IFSC IBKL0002138 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0002138 to send funds instantly.
What is the phone number of IDBI Bank Baldhiamal branch?
You can reach the branch at 91-7276685231 during regular banking hours.
Is IFSC IBKL0002138 the same for all accounts at Baldhiamal branch?
Yes. The IFSC IBKL0002138 is shared by every account held at IDBI Bank's Baldhiamal branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IBKL0002138 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Baldhiamal reflect within 30 minutes.
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 Baldhiamal branch but serve different purposes.
Where is IDBI Bank Baldhiamal branch located?
IDBI Bank's Baldhiamal branch is located at AT -PO - BALDHIAMAL,VIA - MAHICHALA,PS - JUNAGARH, Junagarh, Odisha.
How do I add IDBI Bank Baldhiamal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0002138, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of IDBI Bank Baldhiamal branch?
The IFSC code of IDBI Bank, Baldhiamal branch is IBKL0002138. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IBKL0002138 belongs to IDBI Bank's BALDHIAMAL branch, located at AT -PO - BALDHIAMAL,VIA - MAHICHALA,PS - JUNAGARH in JUNAGARH, ODISHA. 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.
