Below are the complete branch details for IDBI Bank, KARNAL branch, located in KARNAL, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0000351. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0000351 for IDBI Bank – KARNAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KARNAL is IBKL0000351. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000351 map to this branch in KARNAL, HARYANA.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Karnal branch in Karnal. 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, IBKL0000351.
Karnal branch overview
Located at SCO 218-219, SECTOR-12, KARNAL, HARYANA, the Karnal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0000351 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Karnal |
| IFSC Code | IBKL0000351 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO 218-219, SECTOR-12, KARNAL, HARYANA |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 9646039418 |
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 KARNAL branch came to be assigned the code IBKL0000351.
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 IBKL0000351, money simply cannot be routed to the KARNAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0000351 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IBKL0000351
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 IBKL0000351 across all three.
NEFT to IDBI Bank, KARNAL using IFSC IBKL0000351
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 IBKL0000351, and confirm that the system picks up IDBI Bank – KARNAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARNAL
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's KARNAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0000351 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 – KARNAL, use IMPS. With IFSC IBKL0000351 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 IBKL0000351 for IDBI Bank – KARNAL, 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 – IBKL0000351 | Yes – IBKL0000351 | Yes – IBKL0000351 |
For most retail customers crediting the Karnal 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 IBKL0000351
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 – KARNAL is still mapped to IFSC IBKL0000351. 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 IBKL0000351 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Karnal branch is mapped to IFSC IBKL0000351 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 IBKL0000351.
Banking services available
The Karnal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9646039418.
- 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 IBKL0000351
Online banking and IFSC IBKL0000351
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KARNAL 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 IBKL0000351 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.
How to reach the Karnal branch
The branch is located at SCO 218-219, SECTOR-12, KARNAL, HARYANA, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Karnal branch” — the verified location pin for IFSC IBKL0000351 should appear at the top of the results.
- Confirm the branch is open by calling 91-9646039418 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 IBKL0000351 and your account number.
Common mistakes to avoid when using IFSC IBKL0000351
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 – KARNAL, 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:
IBKL0000351. - 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.
Working hours
Branch counters at Karnal 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 IBKL0000351 continue to work without interruption.
Verifying IFSC IBKL0000351 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 IBKL0000351 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9646039418.
- Visiting the bank's official branch locator page.
Branch address & contact
IDBI BankKarnal Branch
SCO 218-219, SECTOR-12, KARNAL, HARYANA
Karnal, Haryana
Phone: 91-9646039418
IFSC: IBKL0000351
Frequently asked questions
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 Karnal branch but serve different purposes.
How quickly will an NEFT transfer using IBKL0000351 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Karnal reflect within 30 minutes.
How do I add IDBI Bank Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0000351, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is IDBI Bank Karnal branch located?
IDBI Bank's Karnal branch is located at SCO 218-219, SECTOR-12, KARNAL, HARYANA, Karnal, Haryana.
What is the IFSC code of IDBI Bank Karnal branch?
The IFSC code of IDBI Bank, Karnal branch is IBKL0000351. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does IDBI Bank Karnal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9646039418 to confirm.
Summary
The IFSC code IBKL0000351 belongs to IDBI Bank's KARNAL branch, located at SCO 218-219, SECTOR-12, KARNAL, HARYANA in KARNAL, HARYANA. 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.
