Use this page as a one-stop reference for everything related to IDBI Bank's CHAINGADA branch in RAMGARH, JHARKHAND. The branch's IFSC code IBKL0001479 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.
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, IBKL0001479 is the IFSC of IDBI Bank's CHAINGADA branch. The format is fixed: IBKL = bank code, 0 = reserved, 001479 = branch identifier.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Chaingada |
| IFSC Code | IBKL0001479 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IDBI BANK,UPPER GROUND FLOOR,MAIN ROAD,CHAINGADA,DIST RAMGARH,JHARKHAND |
| City | Ramgarh |
| District | Hazaribag |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 7070099299 |
Bank profile
IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chaingada branch — IFSC IBKL0001479 — extends the bank's services to customers in and around Ramgarh, Jharkhand.
About the Chaingada branch
The Chaingada branch of IDBI Bank is situated at IDBI BANK,UPPER GROUND FLOOR,MAIN ROAD,CHAINGADA,DIST RAMGARH,JHARKHAND. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IBKL0001479 is used.
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 CHAINGADA branch came to be assigned the code IBKL0001479.
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 IBKL0001479, money simply cannot be routed to the CHAINGADA branch electronically.
How to transfer money using IFSC IBKL0001479
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 IBKL0001479 across all three.
How to use IFSC IBKL0001479 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's CHAINGADA 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 IBKL0001479.
- Confirm the bank name auto-populates as IDBI Bank and the branch as CHAINGADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IBKL0001479
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 – CHAINGADA, ensure your bank's portal accepts IFSC IBKL0001479 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank CHAINGADA (IFSC IBKL0001479)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0001479 in your mobile or internet banking app, and the money is credited to the CHAINGADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0001479 for IDBI Bank – CHAINGADA, 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 – IBKL0001479 | Yes – IBKL0001479 | Yes – IBKL0001479 |
For most retail customers crediting the Chaingada 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 IBKL0001479
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 – CHAINGADA is still mapped to IFSC IBKL0001479. 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 IBKL0001479 and the beneficiary's account number to complete the transfer.
Account types you can open at the Chaingada branch
Once you have an account at IDBI Bank – CHAINGADA, the IFSC IBKL0001479 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.
Banking services available
The Chaingada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7070099299.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL0001479
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 IBKL0001479 and the account number together uniquely identify the Chaingada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IBKL0001479
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the CHAINGADA 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 IBKL0001479 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.
Common mistakes to avoid when using IFSC IBKL0001479
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 – CHAINGADA, 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:
IBKL0001479. - 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 Chaingada branch
The branch is located at IDBI BANK,UPPER GROUND FLOOR,MAIN ROAD,CHAINGADA,DIST RAMGARH,JHARKHAND, which puts it inside Ramgarh, the broader Hazaribag district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Chaingada branch” — the verified location pin for IFSC IBKL0001479 should appear at the top of the results.
- Confirm the branch is open by calling 91-7070099299 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 IBKL0001479 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IBKL0001479 for IDBI Bank – CHAINGADA, 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 Chaingada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0001479, however, work 24x7.
Branch address & contact
IDBI BankChaingada Branch
IDBI BANK,UPPER GROUND FLOOR,MAIN ROAD,CHAINGADA,DIST RAMGARH,JHARKHAND
Ramgarh, Jharkhand
Phone: 91-7070099299
IFSC: IBKL0001479
Frequently asked questions
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 Chaingada branch but serve different purposes.
Is IFSC IBKL0001479 valid for NEFT and RTGS?
Yes. IFSC IBKL0001479 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IBKL0001479 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Chaingada reflect within 30 minutes.
Where is IDBI Bank Chaingada branch located?
IDBI Bank's Chaingada branch is located at IDBI BANK,UPPER GROUND FLOOR,MAIN ROAD,CHAINGADA,DIST RAMGARH,JHARKHAND, Ramgarh, Jharkhand.
Is IFSC IBKL0001479 the same for all accounts at Chaingada branch?
Yes. The IFSC IBKL0001479 is shared by every account held at IDBI Bank's Chaingada branch. Only the account number changes from customer to customer.
What is the phone number of IDBI Bank Chaingada branch?
You can reach the branch at 91-7070099299 during regular banking hours.
How do I add IDBI Bank Chaingada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0001479, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IBKL0001479 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0001479 to send funds instantly.
Summary
The IFSC code IBKL0001479 belongs to IDBI Bank's CHAINGADA branch, located at IDBI BANK,UPPER GROUND FLOOR,MAIN ROAD,CHAINGADA,DIST RAMGARH,JHARKHAND in RAMGARH, JHARKHAND. 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.
