If you are searching for the IFSC code of IDFC First Bank Limited, JAGRAON BRANCH branch in JAGRAON, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is IDFB0021186. 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 JAGRAON BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0021186 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 IDFC First Bank Limited – JAGRAON BRANCH is IDFB0021186. The first four letters IDFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 021186 map to this branch in JAGRAON, PUNJAB.
About the bank
IDFC First Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jagraon Branch branch in Jagraon, Punjab is part of this network and uses the IFSC code IDFB0021186 for all electronic settlement.
Jagraon Branch branch overview
Located at GROUND AND FIRST FLOOR, PROPERTY NO.B-I-9/76,KHASRA NO.99(23-14),VILLAGE AGWARD GUJJRAN,GREWAL DOWN TOWN,TEHSIL JAGRAON,DIST LUDHIANA,PUNJAB-142026 TOLLFREE NO.18004194332, the Jagraon 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 IDFB0021186 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | IDFC First Bank Limited |
|---|---|
| Branch | Jagraon Branch |
| IFSC Code | IDFB0021186 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND AND FIRST FLOOR, PROPERTY NO.B-I-9/76,KHASRA NO.99(23-14),VILLAGE AGWARD GUJJRAN,GREWAL DOWN TOWN,TEHSIL JAGRAON,DIST LUDHIANA,PUNJAB-142026 TOLLFREE NO.18004194332 |
| City | Jagraon |
| District | Ludhiana |
| State | Punjab |
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 JAGRAON BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0021186 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 IDFB0021186 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Jagraon Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDFB0021186 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 IDFB0021186
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 IDFB0021186 across all three.
How to use IFSC IDFB0021186 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's JAGRAON 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 IDFB0021186.
- Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as JAGRAON BRANCH.
- 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 JAGRAON BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at IDFC First Bank Limited's JAGRAON BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDFB0021186 while initiating the transfer and the credit will appear within minutes.
IMPS to IDFC First Bank Limited JAGRAON BRANCH (IFSC IDFB0021186)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0021186 in your mobile or internet banking app, and the money is credited to the JAGRAON BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jagraon 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 IDFB0021186:
- 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 JAGRAON BRANCH is still linked to IFSC IDFB0021186.
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 IDFB0021186
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 – JAGRAON BRANCH is still mapped to IFSC IDFB0021186. 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 IDFB0021186 and the beneficiary's account number to complete the transfer.
Account types you can open at the Jagraon Branch branch
Once you have an account at IDFC First Bank Limited – JAGRAON BRANCH, the IFSC IDFB0021186 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Jagraon 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 IDFB0021186
Digital banking channels
Most day-to-day work that customers used to do at the Jagraon 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 IDFB0021186 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.
How to reach the Jagraon Branch branch
The branch is located at GROUND AND FIRST FLOOR, PROPERTY NO.B-I-9/76,KHASRA NO.99(23-14),VILLAGE AGWARD GUJJRAN,GREWAL DOWN TOWN,TEHSIL JAGRAON,DIST LUDHIANA,PUNJAB-142026 TOLLFREE NO.18004194332, which puts it inside Jagraon, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “IDFC First Bank Limited Jagraon Branch branch” — the verified location pin for IFSC IDFB0021186 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 IDFB0021186 and your account number.
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 – JAGRAON BRANCH:
- The IFSC is exactly IDFB0021186 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 JAGRAON 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.
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 Jagraon Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0021186, however, work 24x7.
Verifying IFSC IDFB0021186 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 IDFB0021186 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.
Branch address & contact
IDFC First Bank LimitedJagraon Branch Branch
GROUND AND FIRST FLOOR, PROPERTY NO.B-I-9/76,KHASRA NO.99(23-14),VILLAGE AGWARD GUJJRAN,GREWAL DOWN TOWN,TEHSIL JAGRAON,DIST LUDHIANA,PUNJAB-142026 TOLLFREE NO.18004194332
Jagraon, Punjab
Phone: the branch contact number
IFSC: IDFB0021186
Frequently asked questions
Is IFSC IDFB0021186 the same for all accounts at Jagraon Branch branch?
Yes. The IFSC IDFB0021186 is shared by every account held at IDFC First Bank Limited's Jagraon Branch branch. Only the account number changes from customer to customer.
Does IDFC First Bank Limited Jagraon Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of IDFC First Bank Limited Jagraon Branch branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add IDFC First Bank Limited Jagraon Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDFB0021186, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDFB0021186 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDFC First Bank Limited – Jagraon Branch reflect within 30 minutes.
What is the IFSC code of IDFC First Bank Limited Jagraon Branch branch?
The IFSC code of IDFC First Bank Limited, Jagraon Branch branch is IDFB0021186. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDFB0021186 valid for NEFT and RTGS?
Yes. IFSC IDFB0021186 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is IDFC First Bank Limited Jagraon Branch branch located?
IDFC First Bank Limited's Jagraon Branch branch is located at GROUND AND FIRST FLOOR, PROPERTY NO.B-I-9/76,KHASRA NO.99(23-14),VILLAGE AGWARD GUJJRAN,GREWAL DOWN TOWN,TEHSIL JAGRAON,DIST LUDHIANA,PUNJAB-142026 TOLLFREE NO.18004194332, Jagraon, Punjab.
Summary
The IFSC code IDFB0021186 belongs to IDFC First Bank Limited's JAGRAON BRANCH branch, located at GROUND AND FIRST FLOOR, PROPERTY NO.B-I-9/76,KHASRA NO.99(23-14),VILLAGE… in JAGRAON, PUNJAB. 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.
