IFSC Code of Indian Bank, Civil Lines Banda Branch, Uttar Pradesh

If you are searching for the IFSC code of Indian Bank, CIVIL LINES BANDA branch in BANDA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDIB000P675. 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 CIVIL LINES BANDA branch, and detailed step-by-step guides for using the IFSC IDIB000P675 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.

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, IDIB000P675 is the IFSC of Indian Bank's CIVIL LINES BANDA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00P675 = branch identifier.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Civil Lines Banda branch in Banda. 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, IDIB000P675.

Branch details at a glance

Civil Lines Banda branch overview

Located at PANDIT JAWAHAR LAL NEHRU DEGREE COLLEGE CIVIL LINES BANDA UP CIVIL LINES BANDA BANDA PIN 210001, the Civil Lines Banda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000P675 is required for all interbank electronic transfers routed through this branch.

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 CIVIL LINES BANDA of Indian Bank — its own 11-character IFSC. The code IDIB000P675 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 IDIB000P675 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Civil Lines Banda branch is mapped to IFSC IDIB000P675 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 IDIB000P675.

Banking services available

The Civil Lines Banda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9693056555.

• 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 IDIB000P675

How to transfer money using IFSC IDIB000P675

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 IDIB000P675 across all three.

How to use IFSC IDIB000P675 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's CIVIL LINES BANDA 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 IDIB000P675.
4. Confirm the bank name auto-populates as Indian Bank and the branch as CIVIL LINES BANDA.
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 CIVIL LINES BANDA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CIVIL LINES BANDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P675 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 – CIVIL LINES BANDA, use IMPS. With IFSC IDIB000P675 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 Civil Lines Banda

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 IDIB000P675:

• 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 CIVIL LINES BANDA is still linked to IFSC IDIB000P675.

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.

UPI payments and IFSC IDIB000P675

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 – CIVIL LINES BANDA is still mapped to IFSC IDIB000P675. 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 IDIB000P675 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Civil Lines Banda 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 IDIB000P675 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.

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 IDIB000P675 and the account number together uniquely identify the Civil Lines Banda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IDIB000P675

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 – CIVIL LINES BANDA, 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: IDIB000P675.
• 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 Civil Lines Banda branch

The branch is located at PANDIT JAWAHAR LAL NEHRU DEGREE COLLEGE CIVIL LINES BANDA UP CIVIL LINES BANDA BANDA PIN 210001, which puts it inside Banda, the broader Banda district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Civil Lines Banda branch” — the verified location pin for IFSC IDIB000P675 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9693056555 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 IDIB000P675 and your account number.

Verifying IFSC IDIB000P675 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 IDIB000P675 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9693056555.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Civil Lines Banda 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 IDIB000P675 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000P675 is the IFSC code of Indian Bank, CIVIL LINES BANDA branch, in BANDA, 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.