If you are searching for the IFSC code of Indian Bank, CHARALI branch in CHARALI, ASSAM, this page has every detail you need. The verified IFSC code for this branch is IDIB000C553. 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 CHARALI branch, and detailed step-by-step guides for using the IFSC IDIB000C553 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000C553 is the IFSC of Indian Bank's CHARALI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00C553 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Charali branch in Charali. 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, IDIB000C553.
Charali branch overview
Located at CHARALI PO MONKHOOLI CHARALI MONKHOOLI PIN 786148, the Charali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000C553 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Charali |
| IFSC Code | IDIB000C553 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHARALI PO MONKHOOLI CHARALI MONKHOOLI PIN 786148 |
| City | Charali |
| District | Tinsukia |
| State | Assam |
| STD Code | 91 |
| Phone | 7008350266 |
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 CHARALI branch came to be assigned the code IDIB000C553.
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 IDIB000C553, money simply cannot be routed to the CHARALI branch electronically.
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 IDIB000C553 and the account number together uniquely identify the Charali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000C553
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 IDIB000C553 across all three.
How to use IFSC IDIB000C553 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's CHARALI 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 IDIB000C553.
- Confirm the bank name auto-populates as Indian Bank and the branch as CHARALI.
- 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 CHARALI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CHARALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C553 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – CHARALI, use IMPS. With IFSC IDIB000C553 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 IDIB000C553 for Indian Bank – CHARALI, 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 – IDIB000C553 | Yes – IDIB000C553 | Yes – IDIB000C553 |
For most retail customers crediting the Charali 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's CHARALI branch, the IFSC IDIB000C553 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Charali branch is mapped to IFSC IDIB000C553 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 IDIB000C553.
Products and services
Customers walking into the Charali 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 IDIB000C553
Online banking and IFSC IDIB000C553
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the CHARALI 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 IDIB000C553 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 Charali branch sits at CHARALI PO MONKHOOLI CHARALI MONKHOOLI PIN 786148. If you are travelling from outside Charali, search for the branch on a maps application using the bank name and locality, or call 91-7008350266 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 IDIB000C553 and your account number.
Common mistakes to avoid when using IFSC IDIB000C553
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 – CHARALI, 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:
IDIB000C553. - 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.
Working hours
Branch counters at Charali 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 IDIB000C553 continue to work without interruption.
Verifying IFSC IDIB000C553 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 IDIB000C553 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7008350266.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankCharali Branch
CHARALI PO MONKHOOLI CHARALI MONKHOOLI PIN 786148
Charali, Assam
Phone: 91-7008350266
IFSC: IDIB000C553
Frequently asked questions
Is IFSC IDIB000C553 the same for all accounts at Charali branch?
Yes. The IFSC IDIB000C553 is shared by every account held at Indian Bank's Charali branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IDIB000C553 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Charali reflect within 30 minutes.
Is IFSC IDIB000C553 valid for NEFT and RTGS?
Yes. IFSC IDIB000C553 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Charali branch but serve different purposes.
Does Indian Bank Charali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7008350266 to confirm.
Where is Indian Bank Charali branch located?
Indian Bank's Charali branch is located at CHARALI PO MONKHOOLI CHARALI MONKHOOLI PIN 786148, Charali, Assam.
Summary
The IFSC code IDIB000C553 belongs to Indian Bank's CHARALI branch, located at CHARALI PO MONKHOOLI CHARALI MONKHOOLI PIN 786148 in CHARALI, ASSAM. 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.
