This page lists the IFSC code, branch address, contact number and fund-transfer information for IDFC First Bank Limited, PUNE- SWARGATE BRANCH branch in PUNE. The 11-digit IFSC IDFB0041431 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDFC First Bank Limited at the PUNE- SWARGATE BRANCH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, IDFB0041431 is the IFSC of IDFC First Bank Limited's PUNE- SWARGATE BRANCH branch. The format is fixed: IDFB = bank code, 0 = reserved, 041431 = branch identifier.
Branch details at a glance
| Bank Name | IDFC First Bank Limited |
|---|---|
| Branch | Pune- Swargate Branch |
| IFSC Code | IDFB0041431 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, UNIT NO. 2, AKRUTI CHAMBERS, NEAR LAXMI NARAYAN CHOWK, SWARGATE, PUNE, 411037 , TOLL FREE NO.- 18004194332 |
| City | Pune |
| District | Pune |
| State | Maharashtra |
About IDFC First Bank Limited
IDFC First Bank Limited operates a wide network of branches across India, including the Pune- Swargate Branch branch in Pune. 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, IDFB0041431.
About this branch
The branch is located at GROUND FLOOR, UNIT NO. 2, AKRUTI CHAMBERS, NEAR LAXMI NARAYAN CHOWK, SWARGATE, PUNE, 411037 , TOLL FREE NO.- 18004194332. It serves the Pune 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 IDFB0041431 is used to identify this branch on the RBI payments network.
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 PUNE- SWARGATE BRANCH branch came to be assigned the code IDFB0041431.
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 IDFB0041431, money simply cannot be routed to the PUNE- SWARGATE BRANCH branch electronically.
How to transfer money using IFSC IDFB0041431
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 IDFB0041431 across all three.
How to use IFSC IDFB0041431 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's PUNE- SWARGATE 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 IDFB0041431.
- Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as PUNE- SWARGATE BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDFB0041431
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 – PUNE- SWARGATE BRANCH, ensure your bank's portal accepts IFSC IDFB0041431 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDFC First Bank Limited PUNE- SWARGATE BRANCH (IFSC IDFB0041431)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0041431 in your mobile or internet banking app, and the money is credited to the PUNE- SWARGATE BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDFB0041431 for IDFC First Bank Limited – PUNE- SWARGATE 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 – IDFB0041431 | Yes – IDFB0041431 | Yes – IDFB0041431 |
For most retail customers crediting the Pune- Swargate 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 IDFB0041431
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 – PUNE- SWARGATE BRANCH is still mapped to IFSC IDFB0041431. 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 IDFB0041431 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pune- Swargate Branch branch
Once you have an account at IDFC First Bank Limited – PUNE- SWARGATE BRANCH, the IFSC IDFB0041431 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 Pune- Swargate 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 IDFB0041431
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 IDFB0041431 and the account number together uniquely identify the Pune- Swargate Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Pune- Swargate 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 IDFB0041431 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.
Common mistakes to avoid when using IFSC IDFB0041431
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDFC First Bank Limited – PUNE- SWARGATE BRANCH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IDFB0041431. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Pune- Swargate Branch branch sits at GROUND FLOOR, UNIT NO. 2, AKRUTI CHAMBERS, NEAR LAXMI NARAYAN CHOWK, SWARGATE, PUNE, 411037 , TOLL FREE NO.- 18004194332. If you are travelling from outside Pune, 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 IDFB0041431 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDFB0041431 for IDFC First Bank Limited – PUNE- SWARGATE 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 Pune- Swargate Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0041431, however, work 24x7.
Branch address & contact
IDFC First Bank LimitedPune- Swargate Branch Branch
GROUND FLOOR, UNIT NO. 2, AKRUTI CHAMBERS, NEAR LAXMI NARAYAN CHOWK, SWARGATE, PUNE, 411037 , TOLL FREE NO.- 18004194332
Pune, Maharashtra
Phone: the branch contact number
IFSC: IDFB0041431
Frequently asked questions
What is the IFSC code of IDFC First Bank Limited Pune- Swargate Branch branch?
The IFSC code of IDFC First Bank Limited, Pune- Swargate Branch branch is IDFB0041431. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does IDFC First Bank Limited Pune- Swargate 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.
How do I add IDFC First Bank Limited Pune- Swargate Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDFB0041431, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDFB0041431 valid for NEFT and RTGS?
Yes. IFSC IDFB0041431 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDFB0041431 the same for all accounts at Pune- Swargate Branch branch?
Yes. The IFSC IDFB0041431 is shared by every account held at IDFC First Bank Limited's Pune- Swargate Branch branch. Only the account number changes from customer to customer.
Can I use IFSC IDFB0041431 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDFB0041431 to send funds instantly.
Final notes
To recap: IDFB0041431 is the IFSC code of IDFC First Bank Limited, PUNE- SWARGATE BRANCH branch, in PUNE, 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.
