This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, KULU branch in KULU. The 11-digit IFSC IBKL0000785 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 KULU 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, IBKL0000785 is the IFSC of IDBI Bank's KULU branch. The format is fixed: IBKL = bank code, 0 = reserved, 000785 = branch identifier.
Bank profile
IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kulu branch — IFSC IBKL0000785 — extends the bank's services to customers in and around Kulu, Himachal Pradesh.
About this branch
The branch is located at OPP. IOC PETROL PUMP, BHUNTAR-KULU, STATE HIGHWAY, KULU, HIMACHAL PRADESH. It serves the Kulu 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 IBKL0000785 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Kulu |
| IFSC Code | IBKL0000785 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP. IOC PETROL PUMP, BHUNTAR-KULU, STATE HIGHWAY, KULU, HIMACHAL PRADESH |
| City | Kulu |
| District | Kulu |
| State | Himachal Pradesh |
| STD Code | 91 |
| Phone | 7046450007 |
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 KULU of IDBI Bank — its own 11-character IFSC. The code IBKL0000785 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 IBKL0000785 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Kulu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0000785 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 IBKL0000785
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 IBKL0000785 across all three.
NEFT to IDBI Bank, KULU using IFSC IBKL0000785
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 IBKL0000785, and confirm that the system picks up IDBI Bank – KULU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IBKL0000785
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 – KULU, ensure your bank's portal accepts IFSC IBKL0000785 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to IDBI Bank – KULU, use IMPS. With IFSC IBKL0000785 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 Kulu
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 IBKL0000785:
- 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 KULU is still linked to IFSC IBKL0000785.
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 IBKL0000785
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 – KULU is still mapped to IFSC IBKL0000785. 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 IBKL0000785 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kulu branch is mapped to IFSC IBKL0000785 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 IBKL0000785.
Products and services
Customers walking into the Kulu 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 IBKL0000785
Online banking and IFSC IBKL0000785
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KULU 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 IBKL0000785 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 Kulu branch
The branch is located at OPP. IOC PETROL PUMP, BHUNTAR-KULU, STATE HIGHWAY, KULU, HIMACHAL PRADESH, which puts it inside Kulu, the broader Kulu district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Kulu branch” — the verified location pin for IFSC IBKL0000785 should appear at the top of the results.
- Confirm the branch is open by calling 91-7046450007 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 IBKL0000785 and your account number.
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 – KULU:
- The IFSC is exactly IBKL0000785 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 KULU 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.
Working hours
Branch counters at Kulu 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 IBKL0000785 continue to work without interruption.
Verifying IFSC IBKL0000785 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 IBKL0000785 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7046450007.
- Visiting the bank's official branch locator page.
Branch address & contact
IDBI BankKulu Branch
OPP. IOC PETROL PUMP, BHUNTAR-KULU, STATE HIGHWAY, KULU, HIMACHAL PRADESH
Kulu, Himachal Pradesh
Phone: 91-7046450007
IFSC: IBKL0000785
Frequently asked questions
Where is IDBI Bank Kulu branch located?
IDBI Bank's Kulu branch is located at OPP. IOC PETROL PUMP, BHUNTAR-KULU, STATE HIGHWAY, KULU, HIMACHAL PRADESH, Kulu, Himachal Pradesh.
How do I add IDBI Bank Kulu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0000785, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IBKL0000785 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Kulu reflect within 30 minutes.
Can I use IFSC IBKL0000785 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0000785 to send funds instantly.
Is IFSC IBKL0000785 valid for NEFT and RTGS?
Yes. IFSC IBKL0000785 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IBKL0000785 the same for all accounts at Kulu branch?
Yes. The IFSC IBKL0000785 is shared by every account held at IDBI Bank's Kulu branch. Only the account number changes from customer to customer.
What is the phone number of IDBI Bank Kulu branch?
You can reach the branch at 91-7046450007 during regular banking hours.
What is the IFSC code of IDBI Bank Kulu branch?
The IFSC code of IDBI Bank, Kulu branch is IBKL0000785. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IBKL0000785 belongs to IDBI Bank's KULU branch, located at OPP. IOC PETROL PUMP, BHUNTAR-KULU, STATE HIGHWAY, KULU, HIMACHAL PRADESH in KULU, HIMACHAL PRADESH. 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.
