Use this page as a one-stop reference for everything related to IDFC First Bank Limited's NIPHAD BRANCH branch in NIPHAD, MAHARASHTRA. The branch's IFSC code IDFB0042284 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.
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 NIPHAD BRANCH branch, the IFSC IDFB0042284 breaks down as follows: IDFB identifies the bank, 0 is the reserved character, and 042284 identifies this particular branch.
About IDFC First Bank Limited
IDFC First Bank Limited operates a wide network of branches across India, including the Niphad Branch branch in Niphad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IDFB0042284.
About the Niphad Branch branch
The Niphad Branch branch of IDFC First Bank Limited is situated at GROUND FLOOR, SHOP NO.1&2, NAVAKAR TOWERS, AURANGABAD ROAD, VILLAGE- NIPHAD, NIPHAD GRAMPANCHAYAT, TAL. NIPHAD, DISTRICT NASHIK, NASHIK- 422303, TOLL FREE NO.- 18004194332. 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 IDFB0042284 is used.
Branch details at a glance
| Bank Name | IDFC First Bank Limited |
|---|---|
| Branch | Niphad Branch |
| IFSC Code | IDFB0042284 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHOP NO.1&2, NAVAKAR TOWERS, AURANGABAD ROAD, VILLAGE- NIPHAD, NIPHAD GRAMPANCHAYAT, TAL. NIPHAD, DISTRICT NASHIK, NASHIK- 422303, TOLL FREE NO.- 18004194332 |
| City | Niphad |
| District | Nashik |
| State | Maharashtra |
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 NIPHAD BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0042284 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 IDFB0042284 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 IDFB0042284 and the account number together uniquely identify the Niphad 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 IDFB0042284
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 IDFB0042284 across all three.
NEFT to IDFC First Bank Limited, NIPHAD BRANCH using IFSC IDFB0042284
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 IDFB0042284, and confirm that the system picks up IDFC First Bank Limited – NIPHAD BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDFB0042284
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 – NIPHAD BRANCH, ensure your bank's portal accepts IFSC IDFB0042284 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDFC First Bank Limited NIPHAD BRANCH (IFSC IDFB0042284)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0042284 in your mobile or internet banking app, and the money is credited to the NIPHAD BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDFB0042284 for IDFC First Bank Limited – NIPHAD 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IDFB0042284 | Yes – IDFB0042284 | Yes – IDFB0042284 |
For most retail customers crediting the Niphad 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 NIPHAD BRANCH branch, the IFSC IDFB0042284 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.
Products and account variants supported
Every account opened at the Niphad Branch branch is mapped to IFSC IDFB0042284 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 IDFB0042284.
Products and services
Customers walking into the Niphad 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 IDFB0042284
Digital banking channels
Most day-to-day work that customers used to do at the Niphad 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 IDFB0042284 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 Niphad Branch branch
The branch is located at GROUND FLOOR, SHOP NO.1&2, NAVAKAR TOWERS, AURANGABAD ROAD, VILLAGE- NIPHAD, NIPHAD GRAMPANCHAYAT, TAL. NIPHAD, DISTRICT NASHIK, NASHIK- 422303, TOLL FREE NO.- 18004194332, which puts it inside Niphad, the broader Nashik district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “IDFC First Bank Limited Niphad Branch branch” — the verified location pin for IFSC IDFB0042284 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 IDFB0042284 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 – NIPHAD BRANCH:
- The IFSC is exactly IDFB0042284 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 NIPHAD 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 Niphad Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0042284, however, work 24x7.
Verifying IFSC IDFB0042284 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 IDFB0042284 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 LimitedNiphad Branch Branch
GROUND FLOOR, SHOP NO.1&2, NAVAKAR TOWERS, AURANGABAD ROAD, VILLAGE- NIPHAD, NIPHAD GRAMPANCHAYAT, TAL. NIPHAD, DISTRICT NASHIK, NASHIK- 422303, TOLL FREE NO.- 18004194332
Niphad, Maharashtra
Phone: the branch contact number
IFSC: IDFB0042284
Frequently asked questions
How quickly will an NEFT transfer using IDFB0042284 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDFC First Bank Limited – Niphad Branch reflect within 30 minutes.
What is the IFSC code of IDFC First Bank Limited Niphad Branch branch?
The IFSC code of IDFC First Bank Limited, Niphad Branch branch is IDFB0042284. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Niphad Branch branch but serve different purposes.
Where is IDFC First Bank Limited Niphad Branch branch located?
IDFC First Bank Limited's Niphad Branch branch is located at GROUND FLOOR, SHOP NO.1&2, NAVAKAR TOWERS, AURANGABAD ROAD, VILLAGE- NIPHAD, NIPHAD GRAMPANCHAYAT, TAL. NIPHAD, DISTRICT NASHIK, NASHIK- 422303, TOLL FREE NO.- 18004194332, Niphad, Maharashtra.
Is IFSC IDFB0042284 the same for all accounts at Niphad Branch branch?
Yes. The IFSC IDFB0042284 is shared by every account held at IDFC First Bank Limited's Niphad Branch branch. Only the account number changes from customer to customer.
What is the phone number of IDFC First Bank Limited Niphad Branch branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add IDFC First Bank Limited Niphad Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDFB0042284, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IDFB0042284 is the IFSC code of IDFC First Bank Limited, NIPHAD BRANCH branch, in NIPHAD, MAHARASHTRA. 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.
