IFSC Code of Indian Bank, Gulmohar Branch Ahmednagar Branch, Maharashtra

If you are searching for the IFSC code of Indian Bank, GULMOHAR BRANCH AHMEDNAGAR branch in AHMEDNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IDIB000A045. 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 GULMOHAR BRANCH AHMEDNAGAR branch, and detailed step-by-step guides for using the IFSC IDIB000A045 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 Indian Bank's GULMOHAR BRANCH AHMEDNAGAR branch, the IFSC IDIB000A045 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00A045 identifies this particular branch.

Branch details at a glance

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Gulmohar Branch Ahmednagar branch in Ahmednagar. 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, IDIB000A045.

About this branch

The branch is located at PLOT NO 224 KAVIJANG NAGARNEAR MAHARAJA HOTEL GULMOHAR ROAD SAVEDI PIN 414003. It serves the Ahmednagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000A045 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 Indian Bank's GULMOHAR BRANCH AHMEDNAGAR branch came to be assigned the code IDIB000A045.

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 IDIB000A045, money simply cannot be routed to the GULMOHAR BRANCH AHMEDNAGAR branch electronically.

How to transfer money using IFSC IDIB000A045

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 IDIB000A045 across all three.

NEFT to Indian Bank, GULMOHAR BRANCH AHMEDNAGAR using IFSC IDIB000A045

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 IDIB000A045, and confirm that the system picks up Indian Bank – GULMOHAR BRANCH AHMEDNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB000A045

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 Indian Bank – GULMOHAR BRANCH AHMEDNAGAR, ensure your bank's portal accepts IFSC IDIB000A045 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank GULMOHAR BRANCH AHMEDNAGAR (IFSC IDIB000A045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A045 in your mobile or internet banking app, and the money is credited to the GULMOHAR BRANCH AHMEDNAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gulmohar Branch Ahmednagar

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 IDIB000A045:

• 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 GULMOHAR BRANCH AHMEDNAGAR is still linked to IFSC IDIB000A045.

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 IDIB000A045

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 – GULMOHAR BRANCH AHMEDNAGAR is still mapped to IFSC IDIB000A045. 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 IDIB000A045 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gulmohar Branch Ahmednagar branch

Once you have an account at Indian Bank – GULMOHAR BRANCH AHMEDNAGAR, the IFSC IDIB000A045 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 Gulmohar Branch Ahmednagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 241-2430482.

• 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 IDIB000A045

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 IDIB000A045 and the account number together uniquely identify the Gulmohar Branch Ahmednagar 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 Gulmohar Branch Ahmednagar 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 IDIB000A045 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 – GULMOHAR BRANCH AHMEDNAGAR:

• The IFSC is exactly IDIB000A045 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 GULMOHAR BRANCH AHMEDNAGAR 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 Gulmohar Branch Ahmednagar branch sits at PLOT NO 224 KAVIJANG NAGARNEAR MAHARAJA HOTEL GULMOHAR ROAD SAVEDI PIN 414003. If you are travelling from outside Ahmednagar, search for the branch on a maps application using the bank name and locality, or call 241-2430482 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 IDIB000A045 and your account number.

Verifying IFSC IDIB000A045 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 IDIB000A045 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 241-2430482.
• Visiting the bank's official branch locator page.

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 Gulmohar Branch Ahmednagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000A045, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000A045 belongs to Indian Bank's GULMOHAR BRANCH AHMEDNAGAR branch, located at PLOT NO 224 KAVIJANG NAGARNEAR MAHARAJA HOTEL GULMOHAR ROAD SAVEDI PIN 414003 in AHMEDNAGAR, MAHARASHTRA. 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.