IFSC Code of IDBI Bank, Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar Branch, Maharashtra

If you are searching for the IFSC code of IDBI Bank, WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch in WARDHA, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IBKL0509W03. 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 WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch, and detailed step-by-step guides for using the IFSC IBKL0509W03 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.

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 WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch, the IFSC IBKL0509W03 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 509W03 identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch — IFSC IBKL0509W03 — extends the bank's services to customers in and around Wardha, Maharashtra.

Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch overview

Located at TADAS BUILDING GANDHI NAGAR ARVI ROAD WARDHA 442001, the Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0509W03 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch came to be assigned the code IBKL0509W03.

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 IBKL0509W03, money simply cannot be routed to the WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0509W03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IBKL0509W03

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 IBKL0509W03 across all three.

How to use IFSC IBKL0509W03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR 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 IBKL0509W03.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR.
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 WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0509W03 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR (IFSC IBKL0509W03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0509W03 in your mobile or internet banking app, and the money is credited to the WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch account within seconds.

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

All three modes accept the IFSC IBKL0509W03 for IDBI Bank – WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR, 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 Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar 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 IBKL0509W03

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 – WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR is still mapped to IFSC IBKL0509W03. 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 IBKL0509W03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch is mapped to IFSC IBKL0509W03 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 IBKL0509W03.

Products and services

Customers walking into the Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar 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 IBKL0509W03

Online banking and IFSC IBKL0509W03

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR 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 IBKL0509W03 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.

How to reach the Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch

The branch is located at TADAS BUILDING GANDHI NAGAR ARVI ROAD WARDHA 442001, which puts it inside Wardha, the broader Wardha district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch” — the verified location pin for IFSC IBKL0509W03 should appear at the top of the results.
2. Confirm the branch is open by calling 7152-247066 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 IBKL0509W03 and your account number.

Common mistakes to avoid when using IFSC IBKL0509W03

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 – WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR, 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: IBKL0509W03.
• 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.

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 Wardha Nagari Sahakari Adhikosh Bank Gandhi Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0509W03, however, work 24x7.

Verifying IFSC IBKL0509W03 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 IBKL0509W03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7152-247066.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0509W03 is the IFSC code of IDBI Bank, WARDHA NAGARI SAHAKARI ADHIKOSH BANK GANDHI NAGAR branch, in WARDHA, MAHARASHTRA. 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.