If you are searching for the IFSC code of Indian Bank, BONGAON branch in BONGAON, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is IDIB000B856. 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 BONGAON branch, and detailed step-by-step guides for using the IFSC IDIB000B856 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.
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 – BONGAON is IDIB000B856. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00B856 map to this branch in BONGAON, WEST BENGAL.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bongaon branch in Bongaon, West Bengal is part of this network and uses the IFSC code IDIB000B856 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Bongaon |
| IFSC Code | IDIB000B856 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JESSORE ROAD KORAR BAGAN BONGAON BONGAON BONGAON PIN 743235 |
| City | Bongaon |
| District | North 24 Parganas |
| State | West Bengal |
| STD Code | 91 |
| Phone | 8011305642 |
About this branch
The branch is located at JESSORE ROAD KORAR BAGAN BONGAON BONGAON BONGAON PIN 743235. It serves the Bongaon 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 IDIB000B856 is used to identify this branch on the RBI payments network.
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 BONGAON branch came to be assigned the code IDIB000B856.
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 IDIB000B856, money simply cannot be routed to the BONGAON branch electronically.
Products and account variants supported
Every account opened at the Bongaon branch is mapped to IFSC IDIB000B856 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 IDIB000B856.
Products and services
Customers walking into the Bongaon 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 IDIB000B856
How to transfer money using IFSC IDIB000B856
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 IDIB000B856 across all three.
NEFT to Indian Bank, BONGAON using IFSC IDIB000B856
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 IDIB000B856, and confirm that the system picks up Indian Bank – BONGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BONGAON
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's BONGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000B856 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank BONGAON (IFSC IDIB000B856)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000B856 in your mobile or internet banking app, and the money is credited to the BONGAON branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bongaon
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 IDIB000B856:
- 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 BONGAON is still linked to IFSC IDIB000B856.
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 IDIB000B856
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 – BONGAON is still mapped to IFSC IDIB000B856. 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 IDIB000B856 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 Bongaon 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 IDIB000B856 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 & cheque-truncation details
Cheques drawn on the Bongaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000B856 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – BONGAON:
- The IFSC is exactly IDIB000B856 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 BONGAON 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.
How to reach the Bongaon branch
The branch is located at JESSORE ROAD KORAR BAGAN BONGAON BONGAON BONGAON PIN 743235, which puts it inside Bongaon, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Bongaon branch” — the verified location pin for IFSC IDIB000B856 should appear at the top of the results.
- Confirm the branch is open by calling 91-8011305642 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 IDIB000B856 and your account number.
Verifying IFSC IDIB000B856 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 IDIB000B856 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8011305642.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bongaon 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 IDIB000B856 continue to work without interruption.
Branch address & contact
Indian BankBongaon Branch
JESSORE ROAD KORAR BAGAN BONGAON BONGAON BONGAON PIN 743235
Bongaon, West Bengal
Phone: 91-8011305642
IFSC: IDIB000B856
Frequently asked questions
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 Bongaon branch but serve different purposes.
Is IFSC IDIB000B856 the same for all accounts at Bongaon branch?
Yes. The IFSC IDIB000B856 is shared by every account held at Indian Bank's Bongaon branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IDIB000B856 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Bongaon reflect within 30 minutes.
What is the phone number of Indian Bank Bongaon branch?
You can reach the branch at 91-8011305642 during regular banking hours.
Can I use IFSC IDIB000B856 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B856 to send funds instantly.
What is the IFSC code of Indian Bank Bongaon branch?
The IFSC code of Indian Bank, Bongaon branch is IDIB000B856. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Bongaon branch located?
Indian Bank's Bongaon branch is located at JESSORE ROAD KORAR BAGAN BONGAON BONGAON BONGAON PIN 743235, Bongaon, West Bengal.
How do I add Indian Bank Bongaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000B856, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000B856 belongs to Indian Bank's BONGAON branch, located at JESSORE ROAD KORAR BAGAN BONGAON BONGAON BONGAON PIN 743235 in BONGAON, WEST BENGAL. 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.
