Use this page as a one-stop reference for everything related to IDBI Bank's NAINI branch in PRAYAGRAJ, UTTAR PRADESH. The branch's IFSC code IBKL0002308 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – NAINI is IBKL0002308. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002308 map to this branch in PRAYAGRAJ, UTTAR PRADESH.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Naini branch in Prayagraj. 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, IBKL0002308.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Naini |
| IFSC Code | IBKL0002308 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 38/3A,CHAK RAGHUNATH,NEAR COTTON MILL TIRAHA,NAINI |
| City | Prayagraj |
| District | Prayagraj |
| State | Uttar Pradesh |
| STD Code | 0 |
| Phone | 0 |
About this branch
The branch is located at 38/3A,CHAK RAGHUNATH,NEAR COTTON MILL TIRAHA,NAINI. It serves the Prayagraj 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 IBKL0002308 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 NAINI of IDBI Bank — its own 11-character IFSC. The code IBKL0002308 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 IBKL0002308 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Naini branch is mapped to IFSC IBKL0002308 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 IBKL0002308.
Products and services
Customers walking into the Naini 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 IBKL0002308
How to transfer money using IFSC IBKL0002308
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 IBKL0002308 across all three.
NEFT to IDBI Bank, NAINI using IFSC IBKL0002308
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 IBKL0002308, and confirm that the system picks up IDBI Bank – NAINI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAINI
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's NAINI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0002308 while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank NAINI (IFSC IBKL0002308)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0002308 in your mobile or internet banking app, and the money is credited to the NAINI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Naini
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 IBKL0002308:
- 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 NAINI is still linked to IFSC IBKL0002308.
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 IBKL0002308
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 – NAINI is still mapped to IFSC IBKL0002308. 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 IBKL0002308 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IBKL0002308
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the NAINI 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 IBKL0002308 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.
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 IBKL0002308 and the account number together uniquely identify the Naini branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IBKL0002308
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 – NAINI, 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:
IBKL0002308. - 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.
How to reach the Naini branch
The branch is located at 38/3A,CHAK RAGHUNATH,NEAR COTTON MILL TIRAHA,NAINI, which puts it inside Prayagraj, the broader Prayagraj district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Naini branch” — the verified location pin for IFSC IBKL0002308 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 IBKL0002308 and your account number.
Verifying IFSC IBKL0002308 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 IBKL0002308 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
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 Naini branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0002308, however, work 24x7.
Branch address & contact
IDBI BankNaini Branch
38/3A,CHAK RAGHUNATH,NEAR COTTON MILL TIRAHA,NAINI
Prayagraj, Uttar Pradesh
Phone: 0
IFSC: IBKL0002308
Frequently asked questions
What is the phone number of IDBI Bank Naini branch?
You can reach the branch at 0 during regular banking hours.
What is the IFSC code of IDBI Bank Naini branch?
The IFSC code of IDBI Bank, Naini branch is IBKL0002308. 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 Naini branch but serve different purposes.
How do I add IDBI Bank Naini as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0002308, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IBKL0002308 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Naini reflect within 30 minutes.
Can I use IFSC IBKL0002308 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0002308 to send funds instantly.
Is IFSC IBKL0002308 the same for all accounts at Naini branch?
Yes. The IFSC IBKL0002308 is shared by every account held at IDBI Bank's Naini branch. Only the account number changes from customer to customer.
Is IFSC IBKL0002308 valid for NEFT and RTGS?
Yes. IFSC IBKL0002308 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IBKL0002308 belongs to IDBI Bank's NAINI branch, located at 38/3A,CHAK RAGHUNATH,NEAR COTTON MILL TIRAHA,NAINI in PRAYAGRAJ, UTTAR 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.
