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

If you are searching for the IFSC code of IDFC First Bank Limited, NAINI BRANCH branch in NAINI, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDFB0021544. 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 NAINI BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0021544 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 NAINI BRANCH branch, the IFSC IDFB0021544 breaks down as follows: IDFB identifies the bank, 0 is the reserved character, and 021544 identifies this particular branch.

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 Naini Branch branch in Naini, Uttar Pradesh is part of this network and uses the IFSC code IDFB0021544 for all electronic settlement.

About this branch

The branch is located at GROUND FLOOR, 2B, POORA FATEH MOHAMMED, NAINI SANGAM ROAD, NAINI PRAYAGRAJ, UTTAR PRADESH-211008, TOLL FREE NO 18002582000. It serves the Naini 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 IDFB0021544 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 NAINI BRANCH branch came to be assigned the code IDFB0021544.

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 IDFB0021544, money simply cannot be routed to the NAINI BRANCH branch electronically.

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 IDFB0021544 and the account number together uniquely identify the Naini 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 IDFB0021544

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 IDFB0021544 across all three.

NEFT to IDFC First Bank Limited, NAINI BRANCH using IFSC IDFB0021544

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IDFB0021544, and confirm that the system picks up IDFC First Bank Limited – NAINI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDFB0021544

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 – NAINI BRANCH, ensure your bank's portal accepts IFSC IDFB0021544 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 – NAINI BRANCH, use IMPS. With IFSC IDFB0021544 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 IDFB0021544 for IDFC First Bank Limited – NAINI 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 Naini 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDFC First Bank Limited's NAINI BRANCH branch, the IFSC IDFB0021544 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Naini Branch branch

Once you have an account at IDFC First Bank Limited – NAINI BRANCH, the IFSC IDFB0021544 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.

Banking services available

The Naini Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDFB0021544

Digital banking channels

Most day-to-day work that customers used to do at the Naini 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 IDFB0021544 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.

Reaching the branch

The Naini Branch branch sits at GROUND FLOOR, 2B, POORA FATEH MOHAMMED, NAINI SANGAM ROAD, NAINI PRAYAGRAJ, UTTAR PRADESH-211008, TOLL FREE NO 18002582000. If you are travelling from outside Naini, 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 IDFB0021544 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 – NAINI BRANCH:

• The IFSC is exactly IDFB0021544 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 NAINI 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.

Working hours

Branch counters at Naini 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 IDFB0021544 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDFB0021544 for IDFC First Bank Limited – NAINI 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 address & contact

Frequently asked questions

Summary

The IFSC code IDFB0021544 belongs to IDFC First Bank Limited's NAINI BRANCH branch, located at GROUND FLOOR, 2B, POORA FATEH MOHAMMED, NAINI SANGAM ROAD, NAINI PRAYAGRAJ,… in NAINI, UTTAR PRADESH. 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.