Below are the complete branch details for Indian Bank, CHINSURAH branch, located in CHINSURAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000C044. 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 IDIB000C044 for Indian Bank – CHINSURAH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IDIB000C044 is the IFSC of Indian Bank's CHINSURAH branch. The format is fixed: IDIB = bank code, 0 = reserved, 00C044 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Chinsurah |
| IFSC Code | IDIB000C044 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MUNINDRA BHAVAN NETAJI SUBHAS ROAD CHINSURAH CHINSURAH PIN 712101 |
| City | Chinsurah |
| District | Hugli |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26802803 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Chinsurah branch in Chinsurah. 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, IDIB000C044.
About this branch
The branch is located at MUNINDRA BHAVAN NETAJI SUBHAS ROAD CHINSURAH CHINSURAH PIN 712101. It serves the Chinsurah 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 IDIB000C044 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 CHINSURAH of Indian Bank — its own 11-character IFSC. The code IDIB000C044 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 IDIB000C044 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 IDIB000C044
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 IDIB000C044 across all three.
How to use IFSC IDIB000C044 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's CHINSURAH 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 IDIB000C044.
- Confirm the bank name auto-populates as Indian Bank and the branch as CHINSURAH.
- 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 CHINSURAH
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CHINSURAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C044 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank CHINSURAH (IFSC IDIB000C044)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000C044 in your mobile or internet banking app, and the money is credited to the CHINSURAH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Chinsurah
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 IDIB000C044:
- 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 CHINSURAH is still linked to IFSC IDIB000C044.
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 IDIB000C044
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 – CHINSURAH is still mapped to IFSC IDIB000C044. 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 IDIB000C044 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chinsurah branch is mapped to IFSC IDIB000C044 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 IDIB000C044.
Products and services
Customers walking into the Chinsurah 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 IDIB000C044
MICR & cheque-truncation details
Cheques drawn on the Chinsurah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000C044 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 Chinsurah 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 IDIB000C044 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.
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 – CHINSURAH:
- The IFSC is exactly IDIB000C044 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 CHINSURAH 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 Chinsurah branch sits at MUNINDRA BHAVAN NETAJI SUBHAS ROAD CHINSURAH CHINSURAH PIN 712101. If you are travelling from outside Chinsurah, search for the branch on a maps application using the bank name and locality, or call 33-26802803 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 IDIB000C044 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000C044 for Indian Bank – CHINSURAH, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Chinsurah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000C044, however, work 24x7.
Branch address & contact
Indian BankChinsurah Branch
MUNINDRA BHAVAN NETAJI SUBHAS ROAD CHINSURAH CHINSURAH PIN 712101
Chinsurah, West Bengal
Phone: 33-26802803
IFSC: IDIB000C044
Frequently asked questions
What is the phone number of Indian Bank Chinsurah branch?
You can reach the branch at 33-26802803 during regular banking hours.
How quickly will an NEFT transfer using IDIB000C044 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Chinsurah reflect within 30 minutes.
Where is Indian Bank Chinsurah branch located?
Indian Bank's Chinsurah branch is located at MUNINDRA BHAVAN NETAJI SUBHAS ROAD CHINSURAH CHINSURAH PIN 712101, Chinsurah, West Bengal.
How do I add Indian Bank Chinsurah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000C044, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Chinsurah branch but serve different purposes.
Can I use IFSC IDIB000C044 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000C044 to send funds instantly.
Does Indian Bank Chinsurah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-26802803 to confirm.
Summary
The IFSC code IDIB000C044 belongs to Indian Bank's CHINSURAH branch, located at MUNINDRA BHAVAN NETAJI SUBHAS ROAD CHINSURAH CHINSURAH PIN 712101 in CHINSURAH, WEST BENGAL. 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.
