Use this page as a one-stop reference for everything related to Indian Bank's GOVIND BAGH BALRAMPUR branch in BALRAMPUR, UTTAR PRADESH. The branch's IFSC code IDIB000B098 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 – GOVIND BAGH BALRAMPUR is IDIB000B098. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00B098 map to this branch in BALRAMPUR, UTTAR PRADESH.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Govind Bagh Balrampur branch — IFSC IDIB000B098 — extends the bank's services to customers in and around Balrampur, Uttar Pradesh.
About this branch
The branch is located at MALTIKUNJ GOVIND BAGH STATION ROAD BALRAMPUR PIN 271201. It serves the Balrampur 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 IDIB000B098 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Govind Bagh Balrampur |
| IFSC Code | IDIB000B098 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MALTIKUNJ GOVIND BAGH STATION ROAD BALRAMPUR PIN 271201 |
| City | Balrampur |
| District | Balrampur |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9142227874 |
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 GOVIND BAGH BALRAMPUR branch came to be assigned the code IDIB000B098.
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 IDIB000B098, money simply cannot be routed to the GOVIND BAGH BALRAMPUR 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 IDIB000B098 and the account number together uniquely identify the Govind Bagh Balrampur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000B098
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 IDIB000B098 across all three.
How to use IFSC IDIB000B098 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's GOVIND BAGH BALRAMPUR 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 IDIB000B098.
- Confirm the bank name auto-populates as Indian Bank and the branch as GOVIND BAGH BALRAMPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000B098
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 – GOVIND BAGH BALRAMPUR, ensure your bank's portal accepts IFSC IDIB000B098 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – GOVIND BAGH BALRAMPUR, use IMPS. With IFSC IDIB000B098 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 IDIB000B098 for Indian Bank – GOVIND BAGH BALRAMPUR, 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 – IDIB000B098 | Yes – IDIB000B098 | Yes – IDIB000B098 |
For most retail customers crediting the Govind Bagh Balrampur 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 GOVIND BAGH BALRAMPUR branch, the IFSC IDIB000B098 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 Govind Bagh Balrampur branch
Once you have an account at Indian Bank – GOVIND BAGH BALRAMPUR, the IFSC IDIB000B098 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 Govind Bagh Balrampur 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 IDIB000B098
Digital banking channels
Most day-to-day work that customers used to do at the Govind Bagh Balrampur 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 IDIB000B098 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.
How to reach the Govind Bagh Balrampur branch
The branch is located at MALTIKUNJ GOVIND BAGH STATION ROAD BALRAMPUR PIN 271201, which puts it inside Balrampur, the broader Balrampur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Govind Bagh Balrampur branch” — the verified location pin for IFSC IDIB000B098 should appear at the top of the results.
- Confirm the branch is open by calling 91-9142227874 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 IDIB000B098 and your account number.
Common mistakes to avoid when using IFSC IDIB000B098
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 – GOVIND BAGH BALRAMPUR, 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:
IDIB000B098. - 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.
Working hours
Branch counters at Govind Bagh Balrampur 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 IDIB000B098 continue to work without interruption.
Verifying IFSC IDIB000B098 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 IDIB000B098 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9142227874.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankGovind Bagh Balrampur Branch
MALTIKUNJ GOVIND BAGH STATION ROAD BALRAMPUR PIN 271201
Balrampur, Uttar Pradesh
Phone: 91-9142227874
IFSC: IDIB000B098
Frequently asked questions
What is the phone number of Indian Bank Govind Bagh Balrampur branch?
You can reach the branch at 91-9142227874 during regular banking hours.
How do I add Indian Bank Govind Bagh Balrampur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000B098, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Govind Bagh Balrampur branch located?
Indian Bank's Govind Bagh Balrampur branch is located at MALTIKUNJ GOVIND BAGH STATION ROAD BALRAMPUR PIN 271201, Balrampur, Uttar Pradesh.
Does Indian Bank Govind Bagh Balrampur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9142227874 to confirm.
Is IFSC IDIB000B098 valid for NEFT and RTGS?
Yes. IFSC IDIB000B098 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IDIB000B098 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Govind Bagh Balrampur reflect within 30 minutes.
Can I use IFSC IDIB000B098 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B098 to send funds instantly.
Is IFSC IDIB000B098 the same for all accounts at Govind Bagh Balrampur branch?
Yes. The IFSC IDIB000B098 is shared by every account held at Indian Bank's Govind Bagh Balrampur branch. Only the account number changes from customer to customer.
Final notes
To recap: IDIB000B098 is the IFSC code of Indian Bank, GOVIND BAGH BALRAMPUR branch, in BALRAMPUR, 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.
