IFSC Code of IDFC First Bank Limited, Shimla Branch Branch, Himachal Pradesh

If you are searching for the IFSC code of IDFC First Bank Limited, SHIMLA BRANCH branch in SHIMLA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDFB0021731. 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 SHIMLA BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0021731 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 SHIMLA BRANCH branch, the IFSC IDFB0021731 breaks down as follows: IDFB identifies the bank, 0 is the reserved character, and 021731 identifies this particular branch.

About IDFC First Bank Limited

IDFC First Bank Limited operates a wide network of branches across India, including the Shimla Branch branch in Shimla. 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, IDFB0021731.

Branch details at a glance

Shimla Branch branch overview

Located at GROUND FLOOR, CRAIGS COURT, MALL ROAD SHIMLA, US CLUB, MAHAL STATION WARD, HIMACHAL PRADESH 171001, the Shimla Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDFB0021731 is required for all interbank electronic transfers routed through this branch.

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 SHIMLA BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0021731 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 IDFB0021731 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Shimla Branch branch

Once you have an account at IDFC First Bank Limited – SHIMLA BRANCH, the IFSC IDFB0021731 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 Shimla Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 IDFB0021731

How to transfer money using IFSC IDFB0021731

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 IDFB0021731 across all three.

How to use IFSC IDFB0021731 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's SHIMLA 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 IDFB0021731.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as SHIMLA 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 SHIMLA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at IDFC First Bank Limited's SHIMLA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDFB0021731 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 – SHIMLA BRANCH, use IMPS. With IFSC IDFB0021731 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 Shimla 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 IDFB0021731:

• 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 SHIMLA BRANCH is still linked to IFSC IDFB0021731.

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 IDFB0021731

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 – SHIMLA BRANCH is still mapped to IFSC IDFB0021731. 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 IDFB0021731 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDFB0021731

IDFC First Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHIMLA 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 IDFB0021731 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.

MICR & cheque-truncation details

Cheques drawn on the Shimla Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDFB0021731 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SHIMLA BRANCH:

• The IFSC is exactly IDFB0021731 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 SHIMLA 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 Shimla Branch branch

The branch is located at GROUND FLOOR, CRAIGS COURT, MALL ROAD SHIMLA, US CLUB, MAHAL STATION WARD, HIMACHAL PRADESH 171001, which puts it inside Shimla, the broader Shimla district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “IDFC First Bank Limited Shimla Branch branch” — the verified location pin for IFSC IDFB0021731 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 IDFB0021731 and your account number.

Verifying IFSC IDFB0021731 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 IDFB0021731 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shimla 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 IDFB0021731 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDFB0021731 is the IFSC code of IDFC First Bank Limited, SHIMLA BRANCH branch, in SHIMLA, HIMACHAL PRADESH. 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.