Use this page as a one-stop reference for everything related to Indian Bank's BHAVANIPUR RAMGADHI branch in BAHRAICH, UTTAR PRADESH. The branch's IFSC code IDIB000B776 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.
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, IDIB000B776 is the IFSC of Indian Bank's BHAVANIPUR RAMGADHI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00B776 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Bhavanipur Ramgadhi branch in Bahraich. 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, IDIB000B776.
Bhavanipur Ramgadhi branch overview
Located at VILL BHAVANIPUR RAMGARHI VILLAGEBHAWANIYAPUR RAMGARHI BHAVANIAPUR RAMGARHI PIN 271865, the Bhavanipur Ramgadhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000B776 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Bhavanipur Ramgadhi |
| IFSC Code | IDIB000B776 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL BHAVANIPUR RAMGARHI VILLAGEBHAWANIYAPUR RAMGARHI BHAVANIAPUR RAMGARHI PIN 271865 |
| City | Bahraich |
| District | Bahraich |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 7905221742 |
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 BHAVANIPUR RAMGADHI branch came to be assigned the code IDIB000B776.
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 IDIB000B776, money simply cannot be routed to the BHAVANIPUR RAMGADHI branch electronically.
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 IDIB000B776 and the account number together uniquely identify the Bhavanipur Ramgadhi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000B776
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 IDIB000B776 across all three.
NEFT to Indian Bank, BHAVANIPUR RAMGADHI using IFSC IDIB000B776
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 IDIB000B776, and confirm that the system picks up Indian Bank – BHAVANIPUR RAMGADHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000B776
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 – BHAVANIPUR RAMGADHI, ensure your bank's portal accepts IFSC IDIB000B776 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – BHAVANIPUR RAMGADHI, use IMPS. With IFSC IDIB000B776 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 IDIB000B776 for Indian Bank – BHAVANIPUR RAMGADHI, 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 – IDIB000B776 | Yes – IDIB000B776 | Yes – IDIB000B776 |
For most retail customers crediting the Bhavanipur Ramgadhi 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.
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 BHAVANIPUR RAMGADHI branch, the IFSC IDIB000B776 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.
Products and account variants supported
Every account opened at the Bhavanipur Ramgadhi branch is mapped to IFSC IDIB000B776 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 IDIB000B776.
Banking services available
The Bhavanipur Ramgadhi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7905221742.
- 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 IDIB000B776
Online banking and IFSC IDIB000B776
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the BHAVANIPUR RAMGADHI 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 IDIB000B776 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.
How to reach the Bhavanipur Ramgadhi branch
The branch is located at VILL BHAVANIPUR RAMGARHI VILLAGEBHAWANIYAPUR RAMGARHI BHAVANIAPUR RAMGARHI PIN 271865, which puts it inside Bahraich, the broader Bahraich district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Bhavanipur Ramgadhi branch” — the verified location pin for IFSC IDIB000B776 should appear at the top of the results.
- Confirm the branch is open by calling 91-7905221742 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 IDIB000B776 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 – BHAVANIPUR RAMGADHI:
- The IFSC is exactly IDIB000B776 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 BHAVANIPUR RAMGADHI 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 Bhavanipur Ramgadhi 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 IDIB000B776 continue to work without interruption.
Verifying IFSC IDIB000B776 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 IDIB000B776 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7905221742.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankBhavanipur Ramgadhi Branch
VILL BHAVANIPUR RAMGARHI VILLAGEBHAWANIYAPUR RAMGARHI BHAVANIAPUR RAMGARHI PIN 271865
Bahraich, Uttar Pradesh
Phone: 91-7905221742
IFSC: IDIB000B776
Frequently asked questions
Does Indian Bank Bhavanipur Ramgadhi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7905221742 to confirm.
Can I use IFSC IDIB000B776 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B776 to send funds instantly.
Is IFSC IDIB000B776 the same for all accounts at Bhavanipur Ramgadhi branch?
Yes. The IFSC IDIB000B776 is shared by every account held at Indian Bank's Bhavanipur Ramgadhi branch. Only the account number changes from customer to customer.
Where is Indian Bank Bhavanipur Ramgadhi branch located?
Indian Bank's Bhavanipur Ramgadhi branch is located at VILL BHAVANIPUR RAMGARHI VILLAGEBHAWANIYAPUR RAMGARHI BHAVANIAPUR RAMGARHI PIN 271865, Bahraich, Uttar Pradesh.
What is the IFSC code of Indian Bank Bhavanipur Ramgadhi branch?
The IFSC code of Indian Bank, Bhavanipur Ramgadhi branch is IDIB000B776. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Bank Bhavanipur Ramgadhi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000B776, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000B776 valid for NEFT and RTGS?
Yes. IFSC IDIB000B776 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Bhavanipur Ramgadhi branch?
You can reach the branch at 91-7905221742 during regular banking hours.
Summary
The IFSC code IDIB000B776 belongs to Indian Bank's BHAVANIPUR RAMGADHI branch, located at VILL BHAVANIPUR RAMGARHI VILLAGEBHAWANIYAPUR RAMGARHI BHAVANIAPUR RAMGARHI … in BAHRAICH, 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.
