Use this page as a one-stop reference for everything related to IDBI Bank's KARAULI branch in KARAULI, RAJASTHAN. The branch's IFSC code IBKL0001589 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.
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, IBKL0001589 is the IFSC of IDBI Bank's KARAULI branch. The format is fixed: IBKL = bank code, 0 = reserved, 001589 = branch identifier.
Bank profile
IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Karauli branch — IFSC IBKL0001589 — extends the bank's services to customers in and around Karauli, Rajasthan.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Karauli |
| IFSC Code | IBKL0001589 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KHASRA NO 5311,GULAB BAGH |
| City | Karauli |
| District | Karauli |
| State | Rajasthan |
| STD Code | 91 |
| Phone | 8826211515 |
Karauli branch overview
Located at KHASRA NO 5311,GULAB BAGH, the Karauli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0001589 is required for all interbank electronic transfers routed through this branch.
Why every IDBI Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KARAULI of IDBI Bank — its own 11-character IFSC. The code IBKL0001589 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IBKL0001589 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Karauli branch
Once you have an account at IDBI Bank – KARAULI, the IFSC IBKL0001589 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 Karauli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8826211515.
- 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 IBKL0001589
How to transfer money using IFSC IBKL0001589
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 IBKL0001589 across all three.
How to use IFSC IBKL0001589 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's KARAULI 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 IBKL0001589.
- Confirm the bank name auto-populates as IDBI Bank and the branch as KARAULI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IBKL0001589
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 – KARAULI, ensure your bank's portal accepts IFSC IBKL0001589 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank KARAULI (IFSC IBKL0001589)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0001589 in your mobile or internet banking app, and the money is credited to the KARAULI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0001589 for IDBI Bank – KARAULI, 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 – IBKL0001589 | Yes – IBKL0001589 | Yes – IBKL0001589 |
For most retail customers crediting the Karauli 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.
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 KARAULI branch, the IFSC IBKL0001589 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.
Digital banking channels
Most day-to-day work that customers used to do at the Karauli 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 IBKL0001589 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 Karauli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0001589 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 IBKL0001589
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 – KARAULI, 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:
IBKL0001589. - 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.
Reaching the branch
The Karauli branch sits at KHASRA NO 5311,GULAB BAGH. If you are travelling from outside Karauli, search for the branch on a maps application using the bank name and locality, or call 91-8826211515 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 IBKL0001589 and your account number.
Verifying IFSC IBKL0001589 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 IBKL0001589 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8826211515.
- 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 Karauli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0001589, however, work 24x7.
Branch address & contact
IDBI BankKarauli Branch
KHASRA NO 5311,GULAB BAGH
Karauli, Rajasthan
Phone: 91-8826211515
IFSC: IBKL0001589
Frequently asked questions
What is the phone number of IDBI Bank Karauli branch?
You can reach the branch at 91-8826211515 during regular banking hours.
What is the IFSC code of IDBI Bank Karauli branch?
The IFSC code of IDBI Bank, Karauli branch is IBKL0001589. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IBKL0001589 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0001589 to send funds instantly.
Is IFSC IBKL0001589 the same for all accounts at Karauli branch?
Yes. The IFSC IBKL0001589 is shared by every account held at IDBI Bank's Karauli branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IBKL0001589 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Karauli reflect within 30 minutes.
Is IFSC IBKL0001589 valid for NEFT and RTGS?
Yes. IFSC IBKL0001589 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IBKL0001589 belongs to IDBI Bank's KARAULI branch, located at KHASRA NO 5311,GULAB BAGH in KARAULI, RAJASTHAN. 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.
