Below are the complete branch details for Indian Bank, AYODHYA FAIZABAD branch, located in AYODHYA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000R554. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000R554 for Indian Bank – AYODHYA FAIZABAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000R554 is the IFSC of Indian Bank's AYODHYA FAIZABAD branch. The format is fixed: IDIB = bank code, 0 = reserved, 00R554 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ayodhya Faizabad |
| IFSC Code | IDIB000R554 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SRI JANAKI MAHAL TRUST PARIKRAMA ROAD AYODHYA AYODHYA PIN 224123 |
| City | Ayodhya |
| District | Ayodhya |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8887588269 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ayodhya Faizabad branch in Ayodhya, Uttar Pradesh is part of this network and uses the IFSC code IDIB000R554 for all electronic settlement.
About the Ayodhya Faizabad branch
The Ayodhya Faizabad branch of Indian Bank is situated at SRI JANAKI MAHAL TRUST PARIKRAMA ROAD AYODHYA AYODHYA PIN 224123. 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 IDIB000R554 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 AYODHYA FAIZABAD branch came to be assigned the code IDIB000R554.
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 IDIB000R554, money simply cannot be routed to the AYODHYA FAIZABAD branch electronically.
How to transfer money using IFSC IDIB000R554
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 IDIB000R554 across all three.
How to use IFSC IDIB000R554 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's AYODHYA FAIZABAD 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 IDIB000R554.
- Confirm the bank name auto-populates as Indian Bank and the branch as AYODHYA FAIZABAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000R554
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 – AYODHYA FAIZABAD, ensure your bank's portal accepts IFSC IDIB000R554 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – AYODHYA FAIZABAD, use IMPS. With IFSC IDIB000R554 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 IDIB000R554 for Indian Bank – AYODHYA FAIZABAD, 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 – IDIB000R554 | Yes – IDIB000R554 | Yes – IDIB000R554 |
For most retail customers crediting the Ayodhya Faizabad 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 IDIB000R554
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 – AYODHYA FAIZABAD is still mapped to IFSC IDIB000R554. 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 IDIB000R554 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ayodhya Faizabad branch is mapped to IFSC IDIB000R554 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 IDIB000R554.
Banking services available
The Ayodhya Faizabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8887588269.
- 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 IDIB000R554
MICR & cheque-truncation details
Cheques drawn on the Ayodhya Faizabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R554 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Ayodhya Faizabad 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 IDIB000R554 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 – AYODHYA FAIZABAD:
- The IFSC is exactly IDIB000R554 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 AYODHYA FAIZABAD 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 Ayodhya Faizabad branch
The branch is located at SRI JANAKI MAHAL TRUST PARIKRAMA ROAD AYODHYA AYODHYA PIN 224123, which puts it inside Ayodhya, the broader Ayodhya district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Ayodhya Faizabad branch” — the verified location pin for IFSC IDIB000R554 should appear at the top of the results.
- Confirm the branch is open by calling 91-8887588269 before stepping out, especially around public holidays.
- 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 IDIB000R554 and your account number.
Verifying IFSC IDIB000R554 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 IDIB000R554 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8887588269.
- 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 Ayodhya Faizabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000R554, however, work 24x7.
Branch address & contact
Indian BankAyodhya Faizabad Branch
SRI JANAKI MAHAL TRUST PARIKRAMA ROAD AYODHYA AYODHYA PIN 224123
Ayodhya, Uttar Pradesh
Phone: 91-8887588269
IFSC: IDIB000R554
Frequently asked questions
How do I add Indian Bank Ayodhya Faizabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R554, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Ayodhya Faizabad branch located?
Indian Bank's Ayodhya Faizabad branch is located at SRI JANAKI MAHAL TRUST PARIKRAMA ROAD AYODHYA AYODHYA PIN 224123, Ayodhya, Uttar Pradesh.
Does Indian Bank Ayodhya Faizabad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8887588269 to confirm.
Can I use IFSC IDIB000R554 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R554 to send funds instantly.
Is IFSC IDIB000R554 valid for NEFT and RTGS?
Yes. IFSC IDIB000R554 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Ayodhya Faizabad branch but serve different purposes.
Summary
The IFSC code IDIB000R554 belongs to Indian Bank's AYODHYA FAIZABAD branch, located at SRI JANAKI MAHAL TRUST PARIKRAMA ROAD AYODHYA AYODHYA PIN 224123 in AYODHYA, UTTAR PRADESH. 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.
