If you are searching for the IFSC code of Indian Bank, AGRA KHANDARI branch in AGRA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDIB000K677. 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 AGRA KHANDARI branch, and detailed step-by-step guides for using the IFSC IDIB000K677 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Bank – AGRA KHANDARI is IDIB000K677. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K677 map to this branch in AGRA, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Agra Khandari |
| IFSC Code | IDIB000K677 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P C JAIN INSTITUTE OF MANAGEMENT TECHNOLOGY KHANDARI CROSSING PIN 282002 |
| City | Agra |
| District | Agra |
| State | Uttar Pradesh |
| STD Code | 562 |
| Phone | 2521802 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Agra Khandari branch in Agra, Uttar Pradesh is part of this network and uses the IFSC code IDIB000K677 for all electronic settlement.
About the Agra Khandari branch
The Agra Khandari branch of Indian Bank is situated at P C JAIN INSTITUTE OF MANAGEMENT TECHNOLOGY KHANDARI CROSSING PIN 282002. 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 IDIB000K677 is used.
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 Indian Bank's AGRA KHANDARI branch came to be assigned the code IDIB000K677.
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 IDIB000K677, money simply cannot be routed to the AGRA KHANDARI branch electronically.
How to transfer money using IFSC IDIB000K677
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 IDIB000K677 across all three.
How to use IFSC IDIB000K677 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's AGRA KHANDARI 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 IDIB000K677.
- Confirm the bank name auto-populates as Indian Bank and the branch as AGRA KHANDARI.
- 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 AGRA KHANDARI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's AGRA KHANDARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K677 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – AGRA KHANDARI, use IMPS. With IFSC IDIB000K677 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 IDIB000K677 for Indian Bank – AGRA KHANDARI, 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 – IDIB000K677 | Yes – IDIB000K677 | Yes – IDIB000K677 |
For most retail customers crediting the Agra Khandari 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 IDIB000K677
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 Indian Bank – AGRA KHANDARI is still mapped to IFSC IDIB000K677. 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 IDIB000K677 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Agra Khandari branch is mapped to IFSC IDIB000K677 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Bank, 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 IDIB000K677.
Banking services available
The Agra Khandari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 562-2521802.
- 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 IDIB000K677
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB000K677 and the account number together uniquely identify the Agra Khandari 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 Agra Khandari 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 IDIB000K677 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.
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 Indian Bank – AGRA KHANDARI:
- The IFSC is exactly IDIB000K677 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Bank as the bank name and AGRA KHANDARI 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.
Reaching the branch
The Agra Khandari branch sits at P C JAIN INSTITUTE OF MANAGEMENT TECHNOLOGY KHANDARI CROSSING PIN 282002. If you are travelling from outside Agra, search for the branch on a maps application using the bank name and locality, or call 562-2521802 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 IDIB000K677 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000K677 for Indian Bank – AGRA KHANDARI, 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 Agra Khandari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K677, however, work 24x7.
Branch address & contact
Indian BankAgra Khandari Branch
P C JAIN INSTITUTE OF MANAGEMENT TECHNOLOGY KHANDARI CROSSING PIN 282002
Agra, Uttar Pradesh
Phone: 562-2521802
IFSC: IDIB000K677
Frequently asked questions
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 Agra Khandari branch but serve different purposes.
Does Indian Bank Agra Khandari branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 562-2521802 to confirm.
How quickly will an NEFT transfer using IDIB000K677 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Agra Khandari reflect within 30 minutes.
Is IFSC IDIB000K677 the same for all accounts at Agra Khandari branch?
Yes. The IFSC IDIB000K677 is shared by every account held at Indian Bank's Agra Khandari branch. Only the account number changes from customer to customer.
How do I add Indian Bank Agra Khandari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K677, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000K677 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K677 to send funds instantly.
What is the phone number of Indian Bank Agra Khandari branch?
You can reach the branch at 562-2521802 during regular banking hours.
Is IFSC IDIB000K677 valid for NEFT and RTGS?
Yes. IFSC IDIB000K677 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000K677 is the IFSC code of Indian Bank, AGRA KHANDARI branch, in AGRA, UTTAR 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.
