IFSC Code of IDBI Bank, Sharad Nagari Sahakari Bank Ltd Branch, Maharashtra

If you are searching for the IFSC code of IDBI Bank, SHARAD NAGARI SAHAKARI BANK LTD branch in SOLAPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IBKL0478SNB. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SHARAD NAGARI SAHAKARI BANK LTD branch, and detailed step-by-step guides for using the IFSC IBKL0478SNB across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – SHARAD NAGARI SAHAKARI BANK LTD is IBKL0478SNB. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 478SNB map to this branch in SOLAPUR, MAHARASHTRA.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Sharad Nagari Sahakari Bank Ltd branch in Solapur. 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, IBKL0478SNB.

Sharad Nagari Sahakari Bank Ltd branch overview

Located at 218 19,GOLD FINCH PETH,LUCKY CHOWK,SOLAPUR MH 413007, the Sharad Nagari Sahakari 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 IBKL0478SNB 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 SHARAD NAGARI SAHAKARI BANK LTD branch came to be assigned the code IBKL0478SNB.

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 IBKL0478SNB, money simply cannot be routed to the SHARAD NAGARI SAHAKARI BANK LTD branch electronically.

How to transfer money using IFSC IBKL0478SNB

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 IBKL0478SNB across all three.

NEFT to IDBI Bank, SHARAD NAGARI SAHAKARI BANK LTD using IFSC IBKL0478SNB

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 IBKL0478SNB, and confirm that the system picks up IDBI Bank – SHARAD NAGARI SAHAKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0478SNB

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 – SHARAD NAGARI SAHAKARI BANK LTD, ensure your bank's portal accepts IFSC IBKL0478SNB while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – SHARAD NAGARI SAHAKARI BANK LTD, use IMPS. With IFSC IBKL0478SNB 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 IBKL0478SNB for IDBI Bank – SHARAD NAGARI SAHAKARI BANK LTD, 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 Sharad Nagari Sahakari Bank Ltd 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.

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 SHARAD NAGARI SAHAKARI BANK LTD branch, the IFSC IBKL0478SNB 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 Sharad Nagari Sahakari Bank Ltd branch is mapped to IFSC IBKL0478SNB 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 IBKL0478SNB.

Products and services

Customers walking into the Sharad Nagari Sahakari 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 IBKL0478SNB

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 IBKL0478SNB and the account number together uniquely identify the Sharad Nagari Sahakari Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0478SNB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the SHARAD NAGARI SAHAKARI 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 IBKL0478SNB 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.

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 – SHARAD NAGARI SAHAKARI BANK LTD:

• The IFSC is exactly IBKL0478SNB 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 SHARAD NAGARI SAHAKARI BANK LTD 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 Sharad Nagari Sahakari Bank Ltd branch sits at 218 19,GOLD FINCH PETH,LUCKY CHOWK,SOLAPUR MH 413007. If you are travelling from outside Solapur, search for the branch on a maps application using the bank name and locality, or call 217-2627355 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 IBKL0478SNB and your account number.

Verifying IFSC IBKL0478SNB 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 IBKL0478SNB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 217-2627355.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Sharad Nagari Sahakari 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 IBKL0478SNB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0478SNB belongs to IDBI Bank's SHARAD NAGARI SAHAKARI BANK LTD branch, located at 218 19,GOLD FINCH PETH,LUCKY CHOWK,SOLAPUR MH 413007 in SOLAPUR, 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.