IFSC Code of Indian Bank, Faizabad K.S.Saket P.G. College Branch, Uttar Pradesh

If you are searching for the IFSC code of Indian Bank, FAIZABAD K.S.SAKET P.G. COLLEGE branch in AYODHYA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDIB000K505. 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 FAIZABAD K.S.SAKET P.G. COLLEGE branch, and detailed step-by-step guides for using the IFSC IDIB000K505 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 FAIZABAD K.S.SAKET P.G. COLLEGE branch, the IFSC IDIB000K505 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K505 identifies this particular branch.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Faizabad K.S.Saket P.G. College branch — IFSC IDIB000K505 — extends the bank's services to customers in and around Ayodhya, Uttar Pradesh.

About this branch

The branch is located at K S SAKET P G COLLEGE FAIZABAD RANOPALI AYODHYA AYODHYA PIN 224001. It serves the Ayodhya 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 IDIB000K505 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Indian Bank 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 FAIZABAD K.S.SAKET P.G. COLLEGE of Indian Bank — its own 11-character IFSC. The code IDIB000K505 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 IDIB000K505 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Faizabad K.S.Saket P.G. College branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K505 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IDIB000K505

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 IDIB000K505 across all three.

How to use IFSC IDIB000K505 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's FAIZABAD K.S.SAKET P.G. COLLEGE 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 IDIB000K505.
4. Confirm the bank name auto-populates as Indian Bank and the branch as FAIZABAD K.S.SAKET P.G. COLLEGE.
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 FAIZABAD K.S.SAKET P.G. COLLEGE

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's FAIZABAD K.S.SAKET P.G. COLLEGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K505 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 – FAIZABAD K.S.SAKET P.G. COLLEGE, use IMPS. With IFSC IDIB000K505 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 Faizabad K.S.Saket P.G. College

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 IDIB000K505:

• 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 FAIZABAD K.S.SAKET P.G. COLLEGE is still linked to IFSC IDIB000K505.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's FAIZABAD K.S.SAKET P.G. COLLEGE branch, the IFSC IDIB000K505 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Faizabad K.S.Saket P.G. College branch

Once you have an account at Indian Bank – FAIZABAD K.S.SAKET P.G. COLLEGE, the IFSC IDIB000K505 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 Faizabad K.S.Saket P.G. College 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 IDIB000K505

Online banking and IFSC IDIB000K505

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the FAIZABAD K.S.SAKET P.G. COLLEGE 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 IDIB000K505 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.

Reaching the branch

The Faizabad K.S.Saket P.G. College branch sits at K S SAKET P G COLLEGE FAIZABAD RANOPALI AYODHYA AYODHYA PIN 224001. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call 91-8016629407 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 IDIB000K505 and your account number.

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 – FAIZABAD K.S.SAKET P.G. COLLEGE:

• The IFSC is exactly IDIB000K505 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 FAIZABAD K.S.SAKET P.G. COLLEGE 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.

Working hours

Branch counters at Faizabad K.S.Saket P.G. College 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 IDIB000K505 continue to work without interruption.

Verifying IFSC IDIB000K505 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 IDIB000K505 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8016629407.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000K505 is the IFSC code of Indian Bank, FAIZABAD K.S.SAKET P.G. COLLEGE branch, in AYODHYA, 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.