Use this page as a one-stop reference for everything related to Indian Bank's BUGRASI branch in BUGRASI, UTTAR PRADESH. The branch's IFSC code IDIB000B881 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 BUGRASI branch, the IFSC IDIB000B881 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00B881 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Bugrasi |
| IFSC Code | IDIB000B881 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO BUGRASI BUGRASI BUGRASI PIN 245403 |
| City | Bugrasi |
| District | Bulandshahr |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9450808275 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bugrasi branch — IFSC IDIB000B881 — extends the bank's services to customers in and around Bugrasi, Uttar Pradesh.
About this branch
The branch is located at VILL PO BUGRASI BUGRASI BUGRASI PIN 245403. It serves the Bugrasi 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 IDIB000B881 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 BUGRASI of Indian Bank — its own 11-character IFSC. The code IDIB000B881 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 IDIB000B881 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000B881
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 IDIB000B881 across all three.
How to use IFSC IDIB000B881 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's BUGRASI 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 IDIB000B881.
- Confirm the bank name auto-populates as Indian Bank and the branch as BUGRASI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000B881
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 – BUGRASI, ensure your bank's portal accepts IFSC IDIB000B881 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – BUGRASI, use IMPS. With IFSC IDIB000B881 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 IDIB000B881 for Indian Bank – BUGRASI, 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 – IDIB000B881 | Yes – IDIB000B881 | Yes – IDIB000B881 |
For most retail customers crediting the Bugrasi 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 IDIB000B881
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 – BUGRASI is still mapped to IFSC IDIB000B881. 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 IDIB000B881 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bugrasi branch is mapped to IFSC IDIB000B881 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 IDIB000B881.
Banking services available
The Bugrasi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9450808275.
- 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 IDIB000B881
MICR & cheque-truncation details
Cheques drawn on the Bugrasi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000B881 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000B881
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the BUGRASI 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 IDIB000B881 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.
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 – BUGRASI:
- The IFSC is exactly IDIB000B881 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 BUGRASI 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 Bugrasi branch sits at VILL PO BUGRASI BUGRASI BUGRASI PIN 245403. If you are travelling from outside Bugrasi, search for the branch on a maps application using the bank name and locality, or call 91-9450808275 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 IDIB000B881 and your account number.
Verifying IFSC IDIB000B881 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 IDIB000B881 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9450808275.
- Visiting the bank's official branch locator page.
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 Bugrasi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000B881, however, work 24x7.
Branch address & contact
Indian BankBugrasi Branch
VILL PO BUGRASI BUGRASI BUGRASI PIN 245403
Bugrasi, Uttar Pradesh
Phone: 91-9450808275
IFSC: IDIB000B881
Frequently asked questions
Does Indian Bank Bugrasi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9450808275 to confirm.
How quickly will an NEFT transfer using IDIB000B881 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Bugrasi reflect within 30 minutes.
Can I use IFSC IDIB000B881 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B881 to send funds instantly.
Is IFSC IDIB000B881 the same for all accounts at Bugrasi branch?
Yes. The IFSC IDIB000B881 is shared by every account held at Indian Bank's Bugrasi branch. Only the account number changes from customer to customer.
Is IFSC IDIB000B881 valid for NEFT and RTGS?
Yes. IFSC IDIB000B881 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Bank Bugrasi branch located?
Indian Bank's Bugrasi branch is located at VILL PO BUGRASI BUGRASI BUGRASI PIN 245403, Bugrasi, Uttar Pradesh.
How do I add Indian Bank Bugrasi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000B881, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000B881 belongs to Indian Bank's BUGRASI branch, located at VILL PO BUGRASI BUGRASI BUGRASI PIN 245403 in BUGRASI, UTTAR PRADESH. 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.
