This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, BOWAI branch in BOWAI. The 11-digit IFSC IDIB000B872 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 BOWAI 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.
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 – BOWAI is IDIB000B872. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00B872 map to this branch in BOWAI, WEST BENGAL.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Bowai |
| IFSC Code | IDIB000B872 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BOWAI STATION BAZARPOBOWAI PSKHANDAGHOSH SUB DIVBURDWAN SOUTH BOWAI BOWAI PIN 713423 |
| City | Bowai |
| District | Purbha Barddhaman |
| State | West Bengal |
| STD Code | 91 |
| Phone | 7278914722 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Bowai branch in Bowai. 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, IDIB000B872.
About the Bowai branch
The Bowai branch of Indian Bank is situated at BOWAI STATION BAZARPOBOWAI PSKHANDAGHOSH SUB DIVBURDWAN SOUTH BOWAI BOWAI PIN 713423. 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 IDIB000B872 is used.
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 BOWAI branch came to be assigned the code IDIB000B872.
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 IDIB000B872, money simply cannot be routed to the BOWAI branch electronically.
How to transfer money using IFSC IDIB000B872
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 IDIB000B872 across all three.
How to use IFSC IDIB000B872 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's BOWAI 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 IDIB000B872.
- Confirm the bank name auto-populates as Indian Bank and the branch as BOWAI.
- 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 BOWAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's BOWAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000B872 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank BOWAI (IFSC IDIB000B872)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000B872 in your mobile or internet banking app, and the money is credited to the BOWAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000B872 for Indian Bank – BOWAI, 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 – IDIB000B872 | Yes – IDIB000B872 | Yes – IDIB000B872 |
For most retail customers crediting the Bowai 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.
UPI payments and IFSC IDIB000B872
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 – BOWAI is still mapped to IFSC IDIB000B872. 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 IDIB000B872 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bowai branch is mapped to IFSC IDIB000B872 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 IDIB000B872.
Products and services
Customers walking into the Bowai 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 IDIB000B872
MICR & cheque-truncation details
Cheques drawn on the Bowai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000B872 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Bowai 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 IDIB000B872 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.
Common mistakes to avoid when using IFSC IDIB000B872
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 – BOWAI, 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:
IDIB000B872. - 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 Bowai branch
The branch is located at BOWAI STATION BAZARPOBOWAI PSKHANDAGHOSH SUB DIVBURDWAN SOUTH BOWAI BOWAI PIN 713423, which puts it inside Bowai, the broader Purbha Barddhaman district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Bowai branch” — the verified location pin for IFSC IDIB000B872 should appear at the top of the results.
- Confirm the branch is open by calling 91-7278914722 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 IDIB000B872 and your account number.
Verifying IFSC IDIB000B872 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 IDIB000B872 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7278914722.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bowai 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 IDIB000B872 continue to work without interruption.
Branch address & contact
Indian BankBowai Branch
BOWAI STATION BAZARPOBOWAI PSKHANDAGHOSH SUB DIVBURDWAN SOUTH BOWAI BOWAI PIN 713423
Bowai, West Bengal
Phone: 91-7278914722
IFSC: IDIB000B872
Frequently asked questions
Is IFSC IDIB000B872 valid for NEFT and RTGS?
Yes. IFSC IDIB000B872 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Bowai branch?
You can reach the branch at 91-7278914722 during regular banking hours.
What is the IFSC code of Indian Bank Bowai branch?
The IFSC code of Indian Bank, Bowai branch is IDIB000B872. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Bowai branch located?
Indian Bank's Bowai branch is located at BOWAI STATION BAZARPOBOWAI PSKHANDAGHOSH SUB DIVBURDWAN SOUTH BOWAI BOWAI PIN 713423, Bowai, West Bengal.
Is IFSC IDIB000B872 the same for all accounts at Bowai branch?
Yes. The IFSC IDIB000B872 is shared by every account held at Indian Bank's Bowai branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000B872 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B872 to send funds instantly.
Final notes
To recap: IDIB000B872 is the IFSC code of Indian Bank, BOWAI branch, in BOWAI, WEST BENGAL. 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.
