Below are the complete branch details for Indian Bank, BISWANATH CHARIALI branch, located in BISWANATH, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000B196. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000B196 for Indian Bank – BISWANATH CHARIALI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BISWANATH CHARIALI is IDIB000B196. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00B196 map to this branch in BISWANATH, ASSAM.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Biswanath Chariali branch in Biswanath. 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, IDIB000B196.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Biswanath Chariali |
| IFSC Code | IDIB000B196 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FLOOR CHARIALI SUPER MARKET WARD NO 12 B G ROAD BISWANATH CHARIALI PIN 784176 |
| City | Biswanath |
| District | Biswanath |
| State | Assam |
| STD Code | 3715 |
| Phone | 222191 |
About this branch
The branch is located at 1ST FLOOR CHARIALI SUPER MARKET WARD NO 12 B G ROAD BISWANATH CHARIALI PIN 784176. It serves the Biswanath 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 IDIB000B196 is used to identify this branch on the RBI payments network.
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 BISWANATH CHARIALI of Indian Bank — its own 11-character IFSC. The code IDIB000B196 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 IDIB000B196 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 Biswanath Chariali branch is mapped to IFSC IDIB000B196 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 IDIB000B196.
Products and services
Customers walking into the Biswanath Chariali 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 IDIB000B196
How to transfer money using IFSC IDIB000B196
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 IDIB000B196 across all three.
NEFT to Indian Bank, BISWANATH CHARIALI using IFSC IDIB000B196
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 IDIB000B196, and confirm that the system picks up Indian Bank – BISWANATH CHARIALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000B196
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 – BISWANATH CHARIALI, ensure your bank's portal accepts IFSC IDIB000B196 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – BISWANATH CHARIALI, use IMPS. With IFSC IDIB000B196 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 Biswanath Chariali
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 IDIB000B196:
- 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 BISWANATH CHARIALI is still linked to IFSC IDIB000B196.
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 BISWANATH CHARIALI branch, the IFSC IDIB000B196 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.
Digital banking channels
Most day-to-day work that customers used to do at the Biswanath Chariali 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 IDIB000B196 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 IDIB000B196 and the account number together uniquely identify the Biswanath Chariali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BISWANATH CHARIALI:
- The IFSC is exactly IDIB000B196 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 BISWANATH CHARIALI 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.
Reaching the branch
The Biswanath Chariali branch sits at 1ST FLOOR CHARIALI SUPER MARKET WARD NO 12 B G ROAD BISWANATH CHARIALI PIN 784176. If you are travelling from outside Biswanath, search for the branch on a maps application using the bank name and locality, or call 3715-222191 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 IDIB000B196 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000B196 for Indian Bank – BISWANATH CHARIALI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Biswanath Chariali 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 IDIB000B196 continue to work without interruption.
Branch address & contact
Indian BankBiswanath Chariali Branch
1ST FLOOR CHARIALI SUPER MARKET WARD NO 12 B G ROAD BISWANATH CHARIALI PIN 784176
Biswanath, Assam
Phone: 3715-222191
IFSC: IDIB000B196
Frequently asked questions
Is IFSC IDIB000B196 the same for all accounts at Biswanath Chariali branch?
Yes. The IFSC IDIB000B196 is shared by every account held at Indian Bank's Biswanath Chariali branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IDIB000B196 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Biswanath Chariali reflect within 30 minutes.
Where is Indian Bank Biswanath Chariali branch located?
Indian Bank's Biswanath Chariali branch is located at 1ST FLOOR CHARIALI SUPER MARKET WARD NO 12 B G ROAD BISWANATH CHARIALI PIN 784176, Biswanath, Assam.
What is the phone number of Indian Bank Biswanath Chariali branch?
You can reach the branch at 3715-222191 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Biswanath Chariali branch but serve different purposes.
How do I add Indian Bank Biswanath Chariali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000B196, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000B196 belongs to Indian Bank's BISWANATH CHARIALI branch, located at 1ST FLOOR CHARIALI SUPER MARKET WARD NO 12 B G ROAD BISWANATH CHARIALI PIN… in BISWANATH, ASSAM. 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.
