IFSC Code of IDBI Bank, Sherpur Focal Point Road Branch, Punjab

Below are the complete branch details for IDBI Bank, SHERPUR FOCAL POINT ROAD branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0000265. 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 IBKL0000265 for IDBI Bank – SHERPUR FOCAL POINT ROAD — 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 – SHERPUR FOCAL POINT ROAD is IBKL0000265. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000265 map to this branch in LUDHIANA, PUNJAB.

Branch details at a glance

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sherpur Focal Point Road branch — IFSC IBKL0000265 — extends the bank's services to customers in and around Ludhiana, Punjab.

Sherpur Focal Point Road branch overview

Located at GROUND FLOOR 154SHERPUR FOCAL POINT ROADLUDHIANAPUNJAB 141010, the Sherpur Focal Point Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0000265 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 SHERPUR FOCAL POINT ROAD of IDBI Bank — its own 11-character IFSC. The code IBKL0000265 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 IBKL0000265 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IBKL0000265

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 IBKL0000265 across all three.

How to use IFSC IBKL0000265 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's SHERPUR FOCAL POINT ROAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0000265.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as SHERPUR FOCAL POINT ROAD.
5. 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 SHERPUR FOCAL POINT ROAD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's SHERPUR FOCAL POINT ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0000265 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank SHERPUR FOCAL POINT ROAD (IFSC IBKL0000265)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0000265 in your mobile or internet banking app, and the money is credited to the SHERPUR FOCAL POINT ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sherpur Focal Point Road

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 IBKL0000265:

• 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 SHERPUR FOCAL POINT ROAD is still linked to IFSC IBKL0000265.

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 IBKL0000265

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 – SHERPUR FOCAL POINT ROAD is still mapped to IFSC IBKL0000265. 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 IBKL0000265 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sherpur Focal Point Road branch is mapped to IFSC IBKL0000265 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 IBKL0000265.

Products and services

Customers walking into the Sherpur Focal Point Road 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 IBKL0000265

MICR & cheque-truncation details

Cheques drawn on the Sherpur Focal Point Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0000265 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Sherpur Focal Point Road 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 IBKL0000265 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.

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 – SHERPUR FOCAL POINT ROAD:

• The IFSC is exactly IBKL0000265 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 SHERPUR FOCAL POINT ROAD 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.

How to reach the Sherpur Focal Point Road branch

The branch is located at GROUND FLOOR 154SHERPUR FOCAL POINT ROADLUDHIANAPUNJAB 141010, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Sherpur Focal Point Road branch” — the verified location pin for IFSC IBKL0000265 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9803001920 before stepping out, especially around public holidays.
3. 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 IBKL0000265 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0000265 for IDBI Bank – SHERPUR FOCAL POINT ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Sherpur Focal Point Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0000265, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0000265 belongs to IDBI Bank's SHERPUR FOCAL POINT ROAD branch, located at GROUND FLOOR 154SHERPUR FOCAL POINT ROADLUDHIANAPUNJAB 141010 in LUDHIANA, PUNJAB. 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.