Below are the complete branch details for IDBI Bank, GARTHAN branch, located in MADHEPURA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0001535. 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 IBKL0001535 for IDBI Bank – GARTHAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For IDBI Bank's GARTHAN branch, the IFSC IBKL0001535 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 001535 identifies this particular branch.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Garthan |
| IFSC Code | IBKL0001535 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT BHAGWANPUR,PO SAHUGARH 2,MADHEPURA BIHAR 852113 |
| City | Madhepura |
| District | Madhepura |
| State | Bihar |
| STD Code | 91 |
| Phone | 9073326001 |
About the bank
IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Garthan branch in Madhepura, Bihar is part of this network and uses the IFSC code IBKL0001535 for all electronic settlement.
About this branch
The branch is located at AT BHAGWANPUR,PO SAHUGARH 2,MADHEPURA BIHAR 852113. It serves the Madhepura 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 IBKL0001535 is used to identify this branch on the RBI payments network.
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 GARTHAN of IDBI Bank — its own 11-character IFSC. The code IBKL0001535 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 IBKL0001535 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 IBKL0001535
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 IBKL0001535 across all three.
How to use IFSC IBKL0001535 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's GARTHAN 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 IBKL0001535.
- Confirm the bank name auto-populates as IDBI Bank and the branch as GARTHAN.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IBKL0001535
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 – GARTHAN, ensure your bank's portal accepts IFSC IBKL0001535 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank GARTHAN (IFSC IBKL0001535)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0001535 in your mobile or internet banking app, and the money is credited to the GARTHAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0001535 for IDBI Bank – GARTHAN, 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 – IBKL0001535 | Yes – IBKL0001535 | Yes – IBKL0001535 |
For most retail customers crediting the Garthan 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 GARTHAN branch, the IFSC IBKL0001535 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.
Account types you can open at the Garthan branch
Once you have an account at IDBI Bank – GARTHAN, the IFSC IBKL0001535 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.
Products and services
Customers walking into the Garthan 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 IBKL0001535
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL0001535 and the account number together uniquely identify the Garthan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IBKL0001535
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the GARTHAN 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 IBKL0001535 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.
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 – GARTHAN:
- The IFSC is exactly IBKL0001535 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 GARTHAN 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.
Reaching the branch
The Garthan branch sits at AT BHAGWANPUR,PO SAHUGARH 2,MADHEPURA BIHAR 852113. If you are travelling from outside Madhepura, search for the branch on a maps application using the bank name and locality, or call 91-9073326001 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 IBKL0001535 and your account number.
Verifying IFSC IBKL0001535 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 IBKL0001535 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9073326001.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Garthan 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 IBKL0001535 continue to work without interruption.
Branch address & contact
IDBI BankGarthan Branch
AT BHAGWANPUR,PO SAHUGARH 2,MADHEPURA BIHAR 852113
Madhepura, Bihar
Phone: 91-9073326001
IFSC: IBKL0001535
Frequently asked questions
Is IFSC IBKL0001535 the same for all accounts at Garthan branch?
Yes. The IFSC IBKL0001535 is shared by every account held at IDBI Bank's Garthan branch. Only the account number changes from customer to customer.
How do I add IDBI Bank Garthan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0001535, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of IDBI Bank Garthan branch?
The IFSC code of IDBI Bank, Garthan branch is IBKL0001535. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Garthan branch but serve different purposes.
How quickly will an NEFT transfer using IBKL0001535 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Garthan reflect within 30 minutes.
Does IDBI Bank Garthan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9073326001 to confirm.
Summary
The IFSC code IBKL0001535 belongs to IDBI Bank's GARTHAN branch, located at AT BHAGWANPUR,PO SAHUGARH 2,MADHEPURA BIHAR 852113 in MADHEPURA, BIHAR. 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.
