IFSC Code of IDFC First Bank Limited, Sagara Branch Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDFC First Bank Limited, SAGARA BRANCH branch in SAGARA. The 11-digit IFSC IDFB0080473 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 SAGARA 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.

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 SAGARA BRANCH branch, the IFSC IDFB0080473 breaks down as follows: IDFB identifies the bank, 0 is the reserved character, and 080473 identifies this particular branch.

Branch details at a glance

Bank profile

IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sagara Branch branch — IFSC IDFB0080473 — extends the bank's services to customers in and around Sagara, Karnataka.

About the Sagara Branch branch

The Sagara Branch branch of IDFC First Bank Limited is situated at FIRST FLOOR, NO. 12, BENGALURU - HONNAVAR ROAD, NH 206, BESIDE MESCOM PREMISES, SAGARA, KARNATAKA STATE, PINCODE 577401, 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 IDFB0080473 is used.

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 SAGARA BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0080473 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 IDFB0080473 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IDFB0080473

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 IDFB0080473 across all three.

How to use IFSC IDFB0080473 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's SAGARA 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 IDFB0080473.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as SAGARA 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 SAGARA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at IDFC First Bank Limited's SAGARA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDFB0080473 while initiating the transfer and the credit will appear within minutes.

IMPS to IDFC First Bank Limited SAGARA BRANCH (IFSC IDFB0080473)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0080473 in your mobile or internet banking app, and the money is credited to the SAGARA BRANCH branch account within seconds.

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

All three modes accept the IFSC IDFB0080473 for IDFC First Bank Limited – SAGARA 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 Sagara 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 SAGARA BRANCH branch, the IFSC IDFB0080473 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 Sagara Branch branch

Once you have an account at IDFC First Bank Limited – SAGARA BRANCH, the IFSC IDFB0080473 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 Sagara 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 IDFB0080473

MICR & cheque-truncation details

Cheques drawn on the Sagara Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDFB0080473 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IDFB0080473

IDFC First Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAGARA 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 IDFB0080473 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.

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 – SAGARA BRANCH:

• The IFSC is exactly IDFB0080473 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 SAGARA 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 Sagara Branch branch

The branch is located at FIRST FLOOR, NO. 12, BENGALURU - HONNAVAR ROAD, NH 206, BESIDE MESCOM PREMISES, SAGARA, KARNATAKA STATE, PINCODE 577401, TOLL FREE NO. 18004194332, which puts it inside Sagara, the broader Shimoga district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDFC First Bank Limited Sagara Branch branch” — the verified location pin for IFSC IDFB0080473 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 IDFB0080473 and your account number.

Verifying IFSC IDFB0080473 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 IDFB0080473 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.

Working hours

Branch counters at Sagara 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 IDFB0080473 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDFB0080473 belongs to IDFC First Bank Limited's SAGARA BRANCH branch, located at FIRST FLOOR, NO. 12, BENGALURU - HONNAVAR ROAD, NH 206, BESIDE MESCOM… in SAGARA, KARNATAKA. 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.