Below are the complete branch details for IDBI Bank, NTB SANTACRUZ branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0100AC3. 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 IBKL0100AC3 for IDBI Bank – NTB SANTACRUZ — 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 NTB SANTACRUZ branch, the IFSC IBKL0100AC3 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 100AC3 identifies this particular branch.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Ntb Santacruz |
| IFSC Code | IBKL0100AC3 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SANTACRUZ AIRPORT,VILE PARLE EAST,MUMBAI 400099 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 26156084 |
About the bank
IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ntb Santacruz branch in Mumbai, Maharashtra is part of this network and uses the IFSC code IBKL0100AC3 for all electronic settlement.
About this branch
The branch is located at SANTACRUZ AIRPORT,VILE PARLE EAST,MUMBAI 400099. It serves the Mumbai 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 IBKL0100AC3 is used to identify this branch on the RBI payments network.
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 NTB SANTACRUZ branch came to be assigned the code IBKL0100AC3.
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 IBKL0100AC3, money simply cannot be routed to the NTB SANTACRUZ branch electronically.
How to transfer money using IFSC IBKL0100AC3
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 IBKL0100AC3 across all three.
NEFT to IDBI Bank, NTB SANTACRUZ using IFSC IBKL0100AC3
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 IBKL0100AC3, and confirm that the system picks up IDBI Bank – NTB SANTACRUZ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IBKL0100AC3
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 – NTB SANTACRUZ, ensure your bank's portal accepts IFSC IBKL0100AC3 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank NTB SANTACRUZ (IFSC IBKL0100AC3)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0100AC3 in your mobile or internet banking app, and the money is credited to the NTB SANTACRUZ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0100AC3 for IDBI Bank – NTB SANTACRUZ, 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 – IBKL0100AC3 | Yes – IBKL0100AC3 | Yes – IBKL0100AC3 |
For most retail customers crediting the Ntb Santacruz 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 IBKL0100AC3
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 – NTB SANTACRUZ is still mapped to IFSC IBKL0100AC3. 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 IBKL0100AC3 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ntb Santacruz branch
Once you have an account at IDBI Bank – NTB SANTACRUZ, the IFSC IBKL0100AC3 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 Ntb Santacruz 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 IBKL0100AC3
MICR & cheque-truncation details
Cheques drawn on the Ntb Santacruz branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0100AC3 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 Ntb Santacruz 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 IBKL0100AC3 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.
Common mistakes to avoid when using IFSC IBKL0100AC3
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 – NTB SANTACRUZ, 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:
IBKL0100AC3. - 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 Ntb Santacruz branch sits at SANTACRUZ AIRPORT,VILE PARLE EAST,MUMBAI 400099. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-26156084 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 IBKL0100AC3 and your account number.
Verifying IFSC IBKL0100AC3 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 IBKL0100AC3 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-26156084.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ntb Santacruz 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 IBKL0100AC3 continue to work without interruption.
Branch address & contact
IDBI BankNtb Santacruz Branch
SANTACRUZ AIRPORT,VILE PARLE EAST,MUMBAI 400099
Mumbai, Maharashtra
Phone: 22-26156084
IFSC: IBKL0100AC3
Frequently asked questions
What is the phone number of IDBI Bank Ntb Santacruz branch?
You can reach the branch at 22-26156084 during regular banking hours.
Is IFSC IBKL0100AC3 the same for all accounts at Ntb Santacruz branch?
Yes. The IFSC IBKL0100AC3 is shared by every account held at IDBI Bank's Ntb Santacruz branch. Only the account number changes from customer to customer.
How do I add IDBI Bank Ntb Santacruz as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0100AC3, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ntb Santacruz branch but serve different purposes.
Can I use IFSC IBKL0100AC3 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0100AC3 to send funds instantly.
Does IDBI Bank Ntb Santacruz branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-26156084 to confirm.
Summary
The IFSC code IBKL0100AC3 belongs to IDBI Bank's NTB SANTACRUZ branch, located at SANTACRUZ AIRPORT,VILE PARLE EAST,MUMBAI 400099 in MUMBAI, MAHARASHTRA. 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.
