IFSC Code of Indian Bank, Amritsar Patel Chowk Mall Road Branch, Punjab

Use this page as a one-stop reference for everything related to Indian Bank's AMRITSAR PATEL CHOWK MALL ROAD branch in AMRITSAR, PUNJAB. The branch's IFSC code IDIB000A618 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – AMRITSAR PATEL CHOWK MALL ROAD is IDIB000A618. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00A618 map to this branch in AMRITSAR, PUNJAB.

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Amritsar Patel Chowk Mall Road branch in Amritsar, Punjab is part of this network and uses the IFSC code IDIB000A618 for all electronic settlement.

Branch details at a glance

Amritsar Patel Chowk Mall Road branch overview

Located at G R TOWER OPPOSITE SSP RESIDENCE MALL ROAD AMRITSAR PIN 143001, the Amritsar Patel Chowk Mall Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000A618 is required for all interbank electronic transfers routed through this branch.

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 AMRITSAR PATEL CHOWK MALL ROAD branch came to be assigned the code IDIB000A618.

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 IDIB000A618, money simply cannot be routed to the AMRITSAR PATEL CHOWK MALL ROAD branch electronically.

Account types you can open at the Amritsar Patel Chowk Mall Road branch

Once you have an account at Indian Bank – AMRITSAR PATEL CHOWK MALL ROAD, the IFSC IDIB000A618 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.

Products and services

Customers walking into the Amritsar Patel Chowk Mall Road branch can access most of Indian Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC IDIB000A618

How to transfer money using IFSC IDIB000A618

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 IDIB000A618 across all three.

How to use IFSC IDIB000A618 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's AMRITSAR PATEL CHOWK MALL ROAD 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 IDIB000A618.
4. Confirm the bank name auto-populates as Indian Bank and the branch as AMRITSAR PATEL CHOWK MALL ROAD.
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 AMRITSAR PATEL CHOWK MALL ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's AMRITSAR PATEL CHOWK MALL ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A618 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank AMRITSAR PATEL CHOWK MALL ROAD (IFSC IDIB000A618)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A618 in your mobile or internet banking app, and the money is credited to the AMRITSAR PATEL CHOWK MALL ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Amritsar Patel Chowk Mall Road

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 IDIB000A618:

• 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 AMRITSAR PATEL CHOWK MALL ROAD is still linked to IFSC IDIB000A618.

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 IDIB000A618

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 – AMRITSAR PATEL CHOWK MALL ROAD is still mapped to IFSC IDIB000A618. 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 IDIB000A618 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000A618

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the AMRITSAR PATEL CHOWK MALL ROAD 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 IDIB000A618 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 Amritsar Patel Chowk Mall Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000A618 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IDIB000A618

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 Indian Bank – AMRITSAR PATEL CHOWK MALL ROAD, 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: IDIB000A618.
• 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.

How to reach the Amritsar Patel Chowk Mall Road branch

The branch is located at G R TOWER OPPOSITE SSP RESIDENCE MALL ROAD AMRITSAR PIN 143001, which puts it inside Amritsar, the broader Amritsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Amritsar Patel Chowk Mall Road branch” — the verified location pin for IFSC IDIB000A618 should appear at the top of the results.
2. Confirm the branch is open by calling 183-2560618 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 IDIB000A618 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000A618 for Indian Bank – AMRITSAR PATEL CHOWK MALL ROAD, 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 Amritsar Patel Chowk Mall Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000A618, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000A618 belongs to Indian Bank's AMRITSAR PATEL CHOWK MALL ROAD branch, located at G R TOWER OPPOSITE SSP RESIDENCE MALL ROAD AMRITSAR PIN 143001 in AMRITSAR, PUNJAB. 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.