IFSC Code of IDBI Bank, Saiha Branch, Mizoram

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, SAIHA branch in SAIHA. The 11-digit IFSC IBKL0002044 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the SAIHA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – SAIHA is IBKL0002044. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002044 map to this branch in SAIHA, MIZORAM.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Saiha branch in Saiha, Mizoram is part of this network and uses the IFSC code IBKL0002044 for all electronic settlement.

Branch details at a glance

About the Saiha branch

The Saiha branch of IDBI Bank is situated at J NGUNCHHUMA BUILDING,NEW SAIHA WEST - II. 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 IBKL0002044 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 SAIHA branch came to be assigned the code IBKL0002044.

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 IBKL0002044, money simply cannot be routed to the SAIHA branch electronically.

Products and account variants supported

Every account opened at the Saiha branch is mapped to IFSC IBKL0002044 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 IBKL0002044.

Products and services

Customers walking into the Saiha 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 IBKL0002044

How to transfer money using IFSC IBKL0002044

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 IBKL0002044 across all three.

How to use IFSC IBKL0002044 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's SAIHA 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 IBKL0002044.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as SAIHA.
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 SAIHA

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's SAIHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0002044 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – SAIHA, use IMPS. With IFSC IBKL0002044 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0002044 for IDBI Bank – SAIHA, 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.

For most retail customers crediting the Saiha 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 IBKL0002044

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 – SAIHA is still mapped to IFSC IBKL0002044. 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 IBKL0002044 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL0002044

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the SAIHA 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 IBKL0002044 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 IBKL0002044 and the account number together uniquely identify the Saiha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SAIHA:

• The IFSC is exactly IBKL0002044 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 SAIHA 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 Saiha branch sits at J NGUNCHHUMA BUILDING,NEW SAIHA WEST - II. If you are travelling from outside Saiha, search for the branch on a maps application using the bank name and locality, or call 91-9615212248 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 IBKL0002044 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0002044 for IDBI Bank – SAIHA, 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 Saiha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0002044, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0002044 belongs to IDBI Bank's SAIHA branch, located at J NGUNCHHUMA BUILDING,NEW SAIHA WEST - II in SAIHA, MIZORAM. 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.