IFSC Code of IDFC First Bank Limited, Ghaziabad - Kavinagar Branch Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDFC First Bank Limited, GHAZIABAD - KAVINAGAR BRANCH branch in GHAZIABAD. The 11-digit IFSC IDFB0021427 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 IDFC First Bank Limited at the GHAZIABAD - KAVINAGAR BRANCH 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 IDFC First Bank Limited – GHAZIABAD - KAVINAGAR BRANCH is IDFB0021427. The first four letters IDFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021427 map to this branch in GHAZIABAD, UTTAR PRADESH.

Bank profile

IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghaziabad - Kavinagar Branch branch — IFSC IDFB0021427 — extends the bank's services to customers in and around Ghaziabad, Uttar Pradesh.

Branch details at a glance

Ghaziabad - Kavinagar Branch branch overview

Located at GROUND FLOOR,KJ-17, J BLOCK, KAVINAGAR, GHAZIABAD, UTTAR PRADESH- 201002, the Ghaziabad - Kavinagar Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDFB0021427 is required for all interbank electronic transfers routed through this branch.

Why every IDFC First Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GHAZIABAD - KAVINAGAR BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0021427 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDFB0021427 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ghaziabad - Kavinagar Branch branch is mapped to IFSC IDFB0021427 on the RBI payments network. The branch generally supports the full retail product catalogue of IDFC First Bank Limited, 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 IDFB0021427.

Products and services

Customers walking into the Ghaziabad - Kavinagar Branch branch can access most of IDFC First Bank Limited'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 IDFB0021427

How to transfer money using IFSC IDFB0021427

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 IDFB0021427 across all three.

How to use IFSC IDFB0021427 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's GHAZIABAD - KAVINAGAR 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).

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 IDFB0021427.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as GHAZIABAD - KAVINAGAR BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IDFB0021427

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 IDFC First Bank Limited – GHAZIABAD - KAVINAGAR BRANCH, ensure your bank's portal accepts IFSC IDFB0021427 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDFC First Bank Limited – GHAZIABAD - KAVINAGAR BRANCH, use IMPS. With IFSC IDFB0021427 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 IDFB0021427 for IDFC First Bank Limited – GHAZIABAD - KAVINAGAR BRANCH, 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 Ghaziabad - Kavinagar Branch 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 IDFB0021427

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 IDFC First Bank Limited – GHAZIABAD - KAVINAGAR BRANCH is still mapped to IFSC IDFB0021427. 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 IDFB0021427 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 Ghaziabad - Kavinagar 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 IDFB0021427 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 code & cheque clearing

Apart from IFSC, every cheque book issued by IDFC First Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDFB0021427 and the account number together uniquely identify the Ghaziabad - Kavinagar Branch 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 IDFC First Bank Limited – GHAZIABAD - KAVINAGAR BRANCH:

• The IFSC is exactly IDFB0021427 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDFC First Bank Limited as the bank name and GHAZIABAD - KAVINAGAR BRANCH 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.

How to reach the Ghaziabad - Kavinagar Branch branch

The branch is located at GROUND FLOOR,KJ-17, J BLOCK, KAVINAGAR, GHAZIABAD, UTTAR PRADESH- 201002, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “IDFC First Bank Limited Ghaziabad - Kavinagar Branch branch” — the verified location pin for IFSC IDFB0021427 should appear at the top of the results.
2. Confirm the branch is open by calling 180010888 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 IDFB0021427 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDFB0021427 for IDFC First Bank Limited – GHAZIABAD - KAVINAGAR 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.

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 Ghaziabad - Kavinagar Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0021427, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDFB0021427 is the IFSC code of IDFC First Bank Limited, GHAZIABAD - KAVINAGAR BRANCH branch, in GHAZIABAD, UTTAR PRADESH. 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.