IFSC Code of IDFC First Bank Limited, Muzaffarpur Branch Branch, Bihar

Below are the complete branch details for IDFC First Bank Limited, MUZAFFARPUR BRANCH branch, located in MUZAFFARPUR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is IDFB0061302. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDFB0061302 for IDFC First Bank Limited – MUZAFFARPUR BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IDFB0061302 is the IFSC of IDFC First Bank Limited's MUZAFFARPUR BRANCH branch. The format is fixed: IDFB = bank code, 0 = reserved, 061302 = branch identifier.

Bank profile

IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Muzaffarpur Branch branch — IFSC IDFB0061302 — extends the bank's services to customers in and around Muzaffarpur, Bihar.

About this branch

The branch is located at GROUND AND FIRST FLOOR, WARD. 18, SARAIYAGANJ GHIRNI POKHAR, JAWAHARLAL ROAD, MUZAFFARPUR, BIHAR- 842001, TOLLFREE NO- 18602582000. It serves the Muzaffarpur 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 IDFB0061302 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MUZAFFARPUR BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0061302 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 IDFB0061302 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IDFB0061302 and the account number together uniquely identify the Muzaffarpur Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDFB0061302

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 IDFB0061302 across all three.

How to use IFSC IDFB0061302 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's MUZAFFARPUR 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 IDFB0061302.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as MUZAFFARPUR BRANCH.
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 MUZAFFARPUR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at IDFC First Bank Limited's MUZAFFARPUR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDFB0061302 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDFC First Bank Limited – MUZAFFARPUR BRANCH, use IMPS. With IFSC IDFB0061302 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Muzaffarpur 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 IDFB0061302:

• 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 MUZAFFARPUR BRANCH is still linked to IFSC IDFB0061302.

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 IDFB0061302

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 – MUZAFFARPUR BRANCH is still mapped to IFSC IDFB0061302. 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 IDFB0061302 and the beneficiary's account number to complete the transfer.

Account types you can open at the Muzaffarpur Branch branch

Once you have an account at IDFC First Bank Limited – MUZAFFARPUR BRANCH, the IFSC IDFB0061302 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 Muzaffarpur 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 IDFB0061302

Online banking and IFSC IDFB0061302

IDFC First Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MUZAFFARPUR 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 IDFB0061302 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.

Reaching the branch

The Muzaffarpur Branch branch sits at GROUND AND FIRST FLOOR, WARD. 18, SARAIYAGANJ GHIRNI POKHAR, JAWAHARLAL ROAD, MUZAFFARPUR, BIHAR- 842001, TOLLFREE NO- 18602582000. If you are travelling from outside Muzaffarpur, 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 IDFB0061302 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 – MUZAFFARPUR BRANCH:

• The IFSC is exactly IDFB0061302 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 MUZAFFARPUR 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 Muzaffarpur Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0061302, however, work 24x7.

Verifying IFSC IDFB0061302 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 IDFB0061302 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

Frequently asked questions

Summary

The IFSC code IDFB0061302 belongs to IDFC First Bank Limited's MUZAFFARPUR BRANCH branch, located at GROUND AND FIRST FLOOR, WARD. 18, SARAIYAGANJ GHIRNI POKHAR, JAWAHARLAL ROAD,… in MUZAFFARPUR, BIHAR. 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.