IFSC Code of Indian Bank, Kolkata Dharmtolla Street Branch, West Bengal

Use this page as a one-stop reference for everything related to Indian Bank's KOLKATA DHARMTOLLA STREET branch in CHANDNICHAWK, WEST BENGAL. The branch's IFSC code IDIB000K749 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.

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 – KOLKATA DHARMTOLLA STREET is IDIB000K749. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K749 map to this branch in CHANDNICHAWK, WEST BENGAL.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kolkata Dharmtolla Street branch — IFSC IDIB000K749 — extends the bank's services to customers in and around Chandnichawk, West Bengal.

About the Kolkata Dharmtolla Street branch

The Kolkata Dharmtolla Street branch of Indian Bank is situated at 29/1B 2ND FLOOR CHANDNI CHOWK STREET CHANDNICHAWK DHARAMTOLLA PIN 700072. 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 IDIB000K749 is used.

Branch details at a glance

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 KOLKATA DHARMTOLLA STREET of Indian Bank — its own 11-character IFSC. The code IDIB000K749 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 IDIB000K749 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB000K749 and the account number together uniquely identify the Kolkata Dharmtolla Street branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDIB000K749

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 IDIB000K749 across all three.

How to use IFSC IDIB000K749 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KOLKATA DHARMTOLLA STREET 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IDIB000K749.
4. Confirm the bank name auto-populates as Indian Bank and the branch as KOLKATA DHARMTOLLA STREET.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IDIB000K749

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 – KOLKATA DHARMTOLLA STREET, ensure your bank's portal accepts IFSC IDIB000K749 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank KOLKATA DHARMTOLLA STREET (IFSC IDIB000K749)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K749 in your mobile or internet banking app, and the money is credited to the KOLKATA DHARMTOLLA STREET branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kolkata Dharmtolla Street

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 IDIB000K749:

• 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 KOLKATA DHARMTOLLA STREET is still linked to IFSC IDIB000K749.

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 IDIB000K749

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 – KOLKATA DHARMTOLLA STREET is still mapped to IFSC IDIB000K749. 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 IDIB000K749 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kolkata Dharmtolla Street branch is mapped to IFSC IDIB000K749 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 IDIB000K749.

Products and services

Customers walking into the Kolkata Dharmtolla Street 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 IDIB000K749

Online banking and IFSC IDIB000K749

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KOLKATA DHARMTOLLA STREET 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 IDIB000K749 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.

Reaching the branch

The Kolkata Dharmtolla Street branch sits at 29/1B 2ND FLOOR CHANDNI CHOWK STREET CHANDNICHAWK DHARAMTOLLA PIN 700072. If you are travelling from outside Chandnichawk, search for the branch on a maps application using the bank name and locality, or call 33-22377000 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 IDIB000K749 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 – KOLKATA DHARMTOLLA STREET:

• The IFSC is exactly IDIB000K749 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 KOLKATA DHARMTOLLA STREET 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.

Working hours

Branch counters at Kolkata Dharmtolla Street 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 IDIB000K749 continue to work without interruption.

Verifying IFSC IDIB000K749 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 IDIB000K749 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-22377000.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000K749 is the IFSC code of Indian Bank, KOLKATA DHARMTOLLA STREET branch, in CHANDNICHAWK, 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.