IFSC Code of IDBI Bank, The Siwan Cnetral Co Operative Bank Ltd Branch, Bihar

Below are the complete branch details for IDBI Bank, THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch, located in SIWAN, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is IBKL01076SB. 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 IBKL01076SB for IDBI Bank – THE SIWAN CNETRAL CO OPERATIVE BANK LTD — 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 THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch, the IFSC IBKL01076SB breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 1076SB identifies this particular branch.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Siwan Cnetral Co Operative Bank Ltd branch in Siwan, Bihar is part of this network and uses the IFSC code IBKL01076SB for all electronic settlement.

The Siwan Cnetral Co Operative Bank Ltd branch overview

Located at THE SIWAN CNETRAL CO OPERATIVE BANK LTD COURT COMPOUND SIWAN PIN 841226, the The Siwan Cnetral Co Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL01076SB is required for all interbank electronic transfers routed through this branch.

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 THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch came to be assigned the code IBKL01076SB.

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 IBKL01076SB, money simply cannot be routed to the THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch electronically.

How to transfer money using IFSC IBKL01076SB

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 IBKL01076SB across all three.

NEFT to IDBI Bank, THE SIWAN CNETRAL CO OPERATIVE BANK LTD using IFSC IBKL01076SB

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 IBKL01076SB, and confirm that the system picks up IDBI Bank – THE SIWAN CNETRAL CO OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE SIWAN CNETRAL CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL01076SB while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank THE SIWAN CNETRAL CO OPERATIVE BANK LTD (IFSC IBKL01076SB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL01076SB in your mobile or internet banking app, and the money is credited to the THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Siwan Cnetral Co Operative Bank Ltd

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 IBKL01076SB:

• 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 THE SIWAN CNETRAL CO OPERATIVE BANK LTD is still linked to IFSC IBKL01076SB.

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.

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 THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch, the IFSC IBKL01076SB 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.

Products and account variants supported

Every account opened at the The Siwan Cnetral Co Operative Bank Ltd branch is mapped to IFSC IBKL01076SB 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 IBKL01076SB.

Products and services

Customers walking into the The Siwan Cnetral Co Operative Bank Ltd 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 IBKL01076SB

MICR & cheque-truncation details

Cheques drawn on the The Siwan Cnetral Co Operative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL01076SB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IBKL01076SB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE SIWAN CNETRAL CO OPERATIVE BANK LTD 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 IBKL01076SB 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 IBKL01076SB

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 – THE SIWAN CNETRAL CO OPERATIVE BANK LTD, 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: IBKL01076SB.
• 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 The Siwan Cnetral Co Operative Bank Ltd branch

The branch is located at THE SIWAN CNETRAL CO OPERATIVE BANK LTD COURT COMPOUND SIWAN PIN 841226, which puts it inside Siwan, the broader Siwan district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Siwan Cnetral Co Operative Bank Ltd branch” — the verified location pin for IFSC IBKL01076SB should appear at the top of the results.
2. Confirm the branch is open by calling 91-9939290730 before stepping out, especially around public holidays.
3. 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 IBKL01076SB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL01076SB for IDBI Bank – THE SIWAN CNETRAL CO OPERATIVE BANK LTD, 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.

Working hours

Branch counters at The Siwan Cnetral Co Operative Bank Ltd 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 IBKL01076SB continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL01076SB is the IFSC code of IDBI Bank, THE SIWAN CNETRAL CO OPERATIVE BANK LTD branch, in SIWAN, BIHAR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.