IFSC Code of Indian Bank, Borivali Babhai Naka Branch, Maharashtra

Use this page as a one-stop reference for everything related to Indian Bank's BORIVALI BABHAI NAKA branch in BABHAI NAKA, MAHARASHTRA. The branch's IFSC code IDIB000B861 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 – BORIVALI BABHAI NAKA is IDIB000B861. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00B861 map to this branch in BABHAI NAKA, MAHARASHTRA.

Branch details at a glance

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Borivali Babhai Naka branch in Babhai Naka. 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, IDIB000B861.

About the Borivali Babhai Naka branch

The Borivali Babhai Naka branch of Indian Bank is situated at EMPEROR BUILDING BABHAI JUNCTIONOPPOSITE MUNIPAL SCHOOL LT ROADBORIVALI W) L T ROAD BABHAI NAKA BORIVALI PIN 400092. 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 IDIB000B861 is used.

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 BORIVALI BABHAI NAKA of Indian Bank — its own 11-character IFSC. The code IDIB000B861 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 IDIB000B861 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IDIB000B861

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 IDIB000B861 across all three.

NEFT to Indian Bank, BORIVALI BABHAI NAKA using IFSC IDIB000B861

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 IDIB000B861, and confirm that the system picks up Indian Bank – BORIVALI BABHAI NAKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BORIVALI BABHAI NAKA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's BORIVALI BABHAI NAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000B861 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 – BORIVALI BABHAI NAKA, use IMPS. With IFSC IDIB000B861 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 IDIB000B861 for Indian Bank – BORIVALI BABHAI NAKA, 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.

For most retail customers crediting the Borivali Babhai Naka 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 IDIB000B861

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 – BORIVALI BABHAI NAKA is still mapped to IFSC IDIB000B861. 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 IDIB000B861 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Borivali Babhai Naka branch is mapped to IFSC IDIB000B861 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 IDIB000B861.

Products and services

Customers walking into the Borivali Babhai Naka 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 IDIB000B861

MICR & cheque-truncation details

Cheques drawn on the Borivali Babhai Naka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000B861 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 Borivali Babhai Naka 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 IDIB000B861 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.

Common mistakes to avoid when using IFSC IDIB000B861

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 – BORIVALI BABHAI NAKA, 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: IDIB000B861.
• 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 Borivali Babhai Naka branch

The branch is located at EMPEROR BUILDING BABHAI JUNCTIONOPPOSITE MUNIPAL SCHOOL LT ROADBORIVALI W) L T ROAD BABHAI NAKA BORIVALI PIN 400092, which puts it inside Babhai Naka, the broader Mumbai Suburban district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Borivali Babhai Naka branch” — the verified location pin for IFSC IDIB000B861 should appear at the top of the results.
2. Confirm the branch is open by calling 22-28998188 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 IDIB000B861 and your account number.

Verifying IFSC IDIB000B861 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 IDIB000B861 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-28998188.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Borivali Babhai Naka 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 IDIB000B861 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000B861 is the IFSC code of Indian Bank, BORIVALI BABHAI NAKA branch, in BABHAI NAKA, MAHARASHTRA. 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.