This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, BONGAIGAON AOC ROAD branch in BONGAIGAON. The 11-digit IFSC IDIB000B049 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the BONGAIGAON AOC ROAD location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's BONGAIGAON AOC ROAD branch, the IFSC IDIB000B049 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00B049 identifies this particular branch.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bongaigaon Aoc Road branch — IFSC IDIB000B049 — extends the bank's services to customers in and around Bongaigaon, Assam.
About the Bongaigaon Aoc Road branch
The Bongaigaon Aoc Road branch of Indian Bank is situated at A O C ROAD BONGAIGAON BONGAIGAON PIN 783380. 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 IDIB000B049 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Bongaigaon Aoc Road |
| IFSC Code | IDIB000B049 |
| MICR Code | Refer to cheque leaf |
| Branch Address | A O C ROAD BONGAIGAON BONGAIGAON PIN 783380 |
| City | Bongaigaon |
| District | Bongaigaon |
| State | Assam |
| STD Code | 91 |
| Phone | 7003994495 |
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 BONGAIGAON AOC ROAD of Indian Bank — its own 11-character IFSC. The code IDIB000B049 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 IDIB000B049 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Bongaigaon Aoc Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000B049 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000B049
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 IDIB000B049 across all three.
NEFT to Indian Bank, BONGAIGAON AOC ROAD using IFSC IDIB000B049
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 IDIB000B049, and confirm that the system picks up Indian Bank – BONGAIGAON AOC ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000B049
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 – BONGAIGAON AOC ROAD, ensure your bank's portal accepts IFSC IDIB000B049 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – BONGAIGAON AOC ROAD, use IMPS. With IFSC IDIB000B049 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 IDIB000B049 for Indian Bank – BONGAIGAON AOC ROAD, 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 – IDIB000B049 | Yes – IDIB000B049 | Yes – IDIB000B049 |
For most retail customers crediting the Bongaigaon Aoc Road 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 BONGAIGAON AOC ROAD branch, the IFSC IDIB000B049 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 Bongaigaon Aoc Road branch is mapped to IFSC IDIB000B049 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 IDIB000B049.
Banking services available
The Bongaigaon Aoc Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7003994495.
- 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 IDIB000B049
Online banking and IFSC IDIB000B049
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the BONGAIGAON AOC ROAD 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 IDIB000B049 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 Bongaigaon Aoc Road branch
The branch is located at A O C ROAD BONGAIGAON BONGAIGAON PIN 783380, which puts it inside Bongaigaon, the broader Bongaigaon district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Bongaigaon Aoc Road branch” — the verified location pin for IFSC IDIB000B049 should appear at the top of the results.
- Confirm the branch is open by calling 91-7003994495 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 IDIB000B049 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 – BONGAIGAON AOC ROAD:
- The IFSC is exactly IDIB000B049 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 BONGAIGAON AOC ROAD 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bongaigaon Aoc Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000B049, however, work 24x7.
Verifying IFSC IDIB000B049 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 IDIB000B049 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7003994495.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankBongaigaon Aoc Road Branch
A O C ROAD BONGAIGAON BONGAIGAON PIN 783380
Bongaigaon, Assam
Phone: 91-7003994495
IFSC: IDIB000B049
Frequently asked questions
What is the IFSC code of Indian Bank Bongaigaon Aoc Road branch?
The IFSC code of Indian Bank, Bongaigaon Aoc Road branch is IDIB000B049. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Bank Bongaigaon Aoc Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7003994495 to confirm.
Can I use IFSC IDIB000B049 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B049 to send funds instantly.
Where is Indian Bank Bongaigaon Aoc Road branch located?
Indian Bank's Bongaigaon Aoc Road branch is located at A O C ROAD BONGAIGAON BONGAIGAON PIN 783380, Bongaigaon, Assam.
Is IFSC IDIB000B049 the same for all accounts at Bongaigaon Aoc Road branch?
Yes. The IFSC IDIB000B049 is shared by every account held at Indian Bank's Bongaigaon Aoc Road branch. Only the account number changes from customer to customer.
Is IFSC IDIB000B049 valid for NEFT and RTGS?
Yes. IFSC IDIB000B049 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Bongaigaon Aoc Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000B049, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000B049 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Bongaigaon Aoc Road reflect within 30 minutes.
Final notes
To recap: IDIB000B049 is the IFSC code of Indian Bank, BONGAIGAON AOC ROAD branch, in BONGAIGAON, ASSAM. 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.
