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

If you are searching for the IFSC code of IDFC First Bank Limited, GHAZIABAD-LOHIA NAGAR BRANCH branch in GHAZIABAD, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDFB0021422. 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 GHAZIABAD-LOHIA NAGAR BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0021422 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 IDFC First Bank Limited's GHAZIABAD-LOHIA NAGAR BRANCH branch, the IFSC IDFB0021422 breaks down as follows: IDFB identifies the bank, 0 is the reserved character, and 021422 identifies this particular branch.

Bank profile

IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghaziabad-Lohia Nagar Branch branch — IFSC IDFB0021422 — extends the bank's services to customers in and around Ghaziabad, Uttar Pradesh.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR, PLOT NO.C-18, BLOCK C, SECTOR 8, LOHIA NAGAR, GHAZIABAD, UTTAR PRADESH-201001, TOLLFREE NUMBER-18004194332. It serves the Ghaziabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDFC First Bank Limited. The IFSC IDFB0021422 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 IDFC First Bank Limited's GHAZIABAD-LOHIA NAGAR BRANCH branch came to be assigned the code IDFB0021422.

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 IDFB0021422, money simply cannot be routed to the GHAZIABAD-LOHIA NAGAR BRANCH branch electronically.

Products and account variants supported

Every account opened at the Ghaziabad-Lohia Nagar Branch branch is mapped to IFSC IDFB0021422 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 IDFB0021422.

Products and services

Customers walking into the Ghaziabad-Lohia Nagar 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 IDFB0021422

How to transfer money using IFSC IDFB0021422

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 IDFB0021422 across all three.

How to use IFSC IDFB0021422 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-LOHIA NAGAR 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 IDFB0021422.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as GHAZIABAD-LOHIA NAGAR 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 IDFB0021422

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-LOHIA NAGAR BRANCH, ensure your bank's portal accepts IFSC IDFB0021422 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDFC First Bank Limited GHAZIABAD-LOHIA NAGAR BRANCH (IFSC IDFB0021422)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0021422 in your mobile or internet banking app, and the money is credited to the GHAZIABAD-LOHIA NAGAR BRANCH branch account within seconds.

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

All three modes accept the IFSC IDFB0021422 for IDFC First Bank Limited – GHAZIABAD-LOHIA NAGAR 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-Lohia Nagar 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 IDFB0021422

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-LOHIA NAGAR BRANCH is still mapped to IFSC IDFB0021422. 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 IDFB0021422 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDFB0021422

IDFC First Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHAZIABAD-LOHIA NAGAR BRANCH 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 IDFB0021422 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.

MICR & cheque-truncation details

Cheques drawn on the Ghaziabad-Lohia Nagar Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDFB0021422 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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-LOHIA NAGAR BRANCH:

• The IFSC is exactly IDFB0021422 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-LOHIA NAGAR 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.

Reaching the branch

The Ghaziabad-Lohia Nagar Branch branch sits at GROUND FLOOR, PLOT NO.C-18, BLOCK C, SECTOR 8, LOHIA NAGAR, GHAZIABAD, UTTAR PRADESH-201001, TOLLFREE NUMBER-18004194332. If you are travelling from outside Ghaziabad, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 IDFB0021422 and your account number.

Verifying IFSC IDFB0021422 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 IDFB0021422 by:

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

Working hours

Branch counters at Ghaziabad-Lohia Nagar 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 IDFB0021422 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDFB0021422 is the IFSC code of IDFC First Bank Limited, GHAZIABAD-LOHIA NAGAR 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.