Below are the complete branch details for IDBI Bank, SURAT MAIN BRANCH branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0000146. 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 IBKL0000146 for IDBI Bank – SURAT MAIN BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SURAT MAIN BRANCH is IBKL0000146. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000146 map to this branch in SURAT, GUJARAT.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Surat Main Branch branch in Surat. 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, IBKL0000146.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Surat Main Branch |
| IFSC Code | IBKL0000146 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IDBI BANK, GROUND FLOOR, 21ST CENTURY BUSINESS CENTER, OPP. SINGAPURI WADI, RING ROAD, SURAT |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 6556691 |
About this branch
The branch is located at IDBI BANK, GROUND FLOOR, 21ST CENTURY BUSINESS CENTER, OPP. SINGAPURI WADI, RING ROAD, SURAT. It serves the Surat 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 IBKL0000146 is used to identify this branch on the RBI payments network.
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 SURAT MAIN BRANCH branch came to be assigned the code IBKL0000146.
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 IBKL0000146, money simply cannot be routed to the SURAT MAIN BRANCH branch electronically.
Products and account variants supported
Every account opened at the Surat Main Branch branch is mapped to IFSC IBKL0000146 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 IBKL0000146.
Products and services
Customers walking into the Surat Main Branch 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 IBKL0000146
How to transfer money using IFSC IBKL0000146
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 IBKL0000146 across all three.
How to use IFSC IBKL0000146 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's SURAT MAIN BRANCH 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 IBKL0000146.
- Confirm the bank name auto-populates as IDBI Bank and the branch as SURAT MAIN BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IBKL0000146
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 – SURAT MAIN BRANCH, ensure your bank's portal accepts IFSC IBKL0000146 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank SURAT MAIN BRANCH (IFSC IBKL0000146)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0000146 in your mobile or internet banking app, and the money is credited to the SURAT MAIN BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Surat Main Branch
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 IBKL0000146:
- 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 SURAT MAIN BRANCH is still linked to IFSC IBKL0000146.
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 IBKL0000146
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 – SURAT MAIN BRANCH is still mapped to IFSC IBKL0000146. 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 IBKL0000146 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Surat Main Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IBKL0000146 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Surat Main Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0000146 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IBKL0000146
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 – SURAT MAIN BRANCH, 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:
IBKL0000146. - 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 Surat Main Branch branch
The branch is located at IDBI BANK, GROUND FLOOR, 21ST CENTURY BUSINESS CENTER, OPP. SINGAPURI WADI, RING ROAD, SURAT, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Surat Main Branch branch” — the verified location pin for IFSC IBKL0000146 should appear at the top of the results.
- Confirm the branch is open by calling 261-6556691 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 IBKL0000146 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IBKL0000146 for IDBI Bank – SURAT MAIN BRANCH, 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 Surat Main Branch 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 IBKL0000146 continue to work without interruption.
Branch address & contact
IDBI BankSurat Main Branch Branch
IDBI BANK, GROUND FLOOR, 21ST CENTURY BUSINESS CENTER, OPP. SINGAPURI WADI, RING ROAD, SURAT
Surat, Gujarat
Phone: 261-6556691
IFSC: IBKL0000146
Frequently asked questions
Is IFSC IBKL0000146 the same for all accounts at Surat Main Branch branch?
Yes. The IFSC IBKL0000146 is shared by every account held at IDBI Bank's Surat Main Branch branch. Only the account number changes from customer to customer.
What is the phone number of IDBI Bank Surat Main Branch branch?
You can reach the branch at 261-6556691 during regular banking hours.
Does IDBI Bank Surat Main Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 261-6556691 to confirm.
Is IFSC IBKL0000146 valid for NEFT and RTGS?
Yes. IFSC IBKL0000146 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of IDBI Bank Surat Main Branch branch?
The IFSC code of IDBI Bank, Surat Main Branch branch is IBKL0000146. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add IDBI Bank Surat Main Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0000146, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IBKL0000146 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Surat Main Branch reflect within 30 minutes.
Where is IDBI Bank Surat Main Branch branch located?
IDBI Bank's Surat Main Branch branch is located at IDBI BANK, GROUND FLOOR, 21ST CENTURY BUSINESS CENTER, OPP. SINGAPURI WADI, RING ROAD, SURAT, Surat, Gujarat.
Final notes
To recap: IBKL0000146 is the IFSC code of IDBI Bank, SURAT MAIN BRANCH branch, in SURAT, GUJARAT. 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.
