IFSC Code of IDFC First Bank Limited, Kaushambi Branch Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to IDFC First Bank Limited's KAUSHAMBI BRANCH branch in KAUSHAMBI, UTTAR PRADESH. The branch's IFSC code IDFB0020146 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – KAUSHAMBI BRANCH is IDFB0020146. The first four letters IDFB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 020146 map to this branch in KAUSHAMBI, UTTAR PRADESH.

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 Kaushambi Branch branch in Kaushambi, Uttar Pradesh is part of this network and uses the IFSC code IDFB0020146 for all electronic settlement.

Branch details at a glance

About the Kaushambi Branch branch

The Kaushambi Branch branch of IDFC First Bank Limited is situated at GROUND FLOOR, PLOT NO.2, KAUSHAMBI, SECTOR 14, GHAZIABAD, UTTAR PRADESH - 201012. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDFB0020146 is used.

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 KAUSHAMBI BRANCH branch came to be assigned the code IDFB0020146.

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 IDFB0020146, money simply cannot be routed to the KAUSHAMBI BRANCH branch electronically.

Account types you can open at the Kaushambi Branch branch

Once you have an account at IDFC First Bank Limited – KAUSHAMBI BRANCH, the IFSC IDFB0020146 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 Kaushambi 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 IDFB0020146

How to transfer money using IFSC IDFB0020146

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 IDFB0020146 across all three.

How to use IFSC IDFB0020146 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's KAUSHAMBI 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 IDFB0020146.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as KAUSHAMBI 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 IDFB0020146

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 – KAUSHAMBI BRANCH, ensure your bank's portal accepts IFSC IDFB0020146 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDFC First Bank Limited KAUSHAMBI BRANCH (IFSC IDFB0020146)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0020146 in your mobile or internet banking app, and the money is credited to the KAUSHAMBI BRANCH branch account within seconds.

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

All three modes accept the IFSC IDFB0020146 for IDFC First Bank Limited – KAUSHAMBI 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 Kaushambi 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 IDFB0020146

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 – KAUSHAMBI BRANCH is still mapped to IFSC IDFB0020146. 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 IDFB0020146 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 Kaushambi 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 IDFB0020146 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 IDFB0020146 and the account number together uniquely identify the Kaushambi 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 – KAUSHAMBI BRANCH:

• The IFSC is exactly IDFB0020146 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 KAUSHAMBI 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 Kaushambi Branch branch

The branch is located at GROUND FLOOR, PLOT NO.2, KAUSHAMBI, SECTOR 14, GHAZIABAD, UTTAR PRADESH - 201012, which puts it inside Kaushambi, 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 Kaushambi Branch branch” — the verified location pin for IFSC IDFB0020146 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 IDFB0020146 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDFB0020146 for IDFC First Bank Limited – KAUSHAMBI 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 Kaushambi Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0020146, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDFB0020146 is the IFSC code of IDFC First Bank Limited, KAUSHAMBI BRANCH branch, in KAUSHAMBI, 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.