Below are the complete branch details for Indian Bank, CHAMPAWAT branch, located in CHAMPAWAT, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000C523. 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 IDIB000C523 for Indian Bank – CHAMPAWAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 CHAMPAWAT branch, the IFSC IDIB000C523 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00C523 identifies this particular branch.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Champawat branch in Champawat. 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, IDIB000C523.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Champawat |
| IFSC Code | IDIB000C523 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAHALAXMI MARKET NEAR BUS STAND CHAMPAWAT PIN 262523 |
| City | Champawat |
| District | Champawat |
| State | Uttarakhand |
| STD Code | 91 |
| Phone | 7237894756 |
About the Champawat branch
The Champawat branch of Indian Bank is situated at MAHALAXMI MARKET NEAR BUS STAND CHAMPAWAT PIN 262523. 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 IDIB000C523 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 CHAMPAWAT branch came to be assigned the code IDIB000C523.
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 IDIB000C523, money simply cannot be routed to the CHAMPAWAT branch electronically.
Products and account variants supported
Every account opened at the Champawat branch is mapped to IFSC IDIB000C523 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 IDIB000C523.
Banking services available
The Champawat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7237894756.
- 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 IDIB000C523
How to transfer money using IFSC IDIB000C523
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 IDIB000C523 across all three.
NEFT to Indian Bank, CHAMPAWAT using IFSC IDIB000C523
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 IDIB000C523, and confirm that the system picks up Indian Bank – CHAMPAWAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHAMPAWAT
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CHAMPAWAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C523 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank CHAMPAWAT (IFSC IDIB000C523)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000C523 in your mobile or internet banking app, and the money is credited to the CHAMPAWAT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000C523 for Indian Bank – CHAMPAWAT, 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 – IDIB000C523 | Yes – IDIB000C523 | Yes – IDIB000C523 |
For most retail customers crediting the Champawat 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 IDIB000C523
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 – CHAMPAWAT is still mapped to IFSC IDIB000C523. 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 IDIB000C523 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 Champawat 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 IDIB000C523 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 Champawat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000C523 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 – CHAMPAWAT:
- The IFSC is exactly IDIB000C523 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 CHAMPAWAT 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 Champawat branch sits at MAHALAXMI MARKET NEAR BUS STAND CHAMPAWAT PIN 262523. If you are travelling from outside Champawat, search for the branch on a maps application using the bank name and locality, or call 91-7237894756 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 IDIB000C523 and your account number.
Verifying IFSC IDIB000C523 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 IDIB000C523 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7237894756.
- 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 Champawat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000C523, however, work 24x7.
Branch address & contact
Indian BankChampawat Branch
MAHALAXMI MARKET NEAR BUS STAND CHAMPAWAT PIN 262523
Champawat, Uttarakhand
Phone: 91-7237894756
IFSC: IDIB000C523
Frequently asked questions
How do I add Indian Bank Champawat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000C523, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000C523 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000C523 to send funds instantly.
Does Indian Bank Champawat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7237894756 to confirm.
How quickly will an NEFT transfer using IDIB000C523 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Champawat reflect within 30 minutes.
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 Champawat branch but serve different purposes.
Is IFSC IDIB000C523 the same for all accounts at Champawat branch?
Yes. The IFSC IDIB000C523 is shared by every account held at Indian Bank's Champawat branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Champawat branch?
You can reach the branch at 91-7237894756 during regular banking hours.
Summary
The IFSC code IDIB000C523 belongs to Indian Bank's CHAMPAWAT branch, located at MAHALAXMI MARKET NEAR BUS STAND CHAMPAWAT PIN 262523 in CHAMPAWAT, UTTARAKHAND. 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
