Use this page as a one-stop reference for everything related to Indian Bank's CHOLAPUR branch in CHOLAPUR, UTTAR PRADESH. The branch's IFSC code IDIB000C605 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.
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, IDIB000C605 is the IFSC of Indian Bank's CHOLAPUR branch. The format is fixed: IDIB = bank code, 0 = reserved, 00C605 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Cholapur |
| IFSC Code | IDIB000C605 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DHARSAUNA VILL PO CHOLAPUR CHOLAPUR CHOLAPUR PIN 221101 |
| City | Cholapur |
| District | Varanasi |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 7380548618 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cholapur branch — IFSC IDIB000C605 — extends the bank's services to customers in and around Cholapur, Uttar Pradesh.
About this branch
The branch is located at DHARSAUNA VILL PO CHOLAPUR CHOLAPUR CHOLAPUR PIN 221101. It serves the Cholapur 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 IDIB000C605 is used to identify this branch on the RBI payments network.
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 CHOLAPUR branch came to be assigned the code IDIB000C605.
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 IDIB000C605, money simply cannot be routed to the CHOLAPUR branch electronically.
How to transfer money using IFSC IDIB000C605
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 IDIB000C605 across all three.
NEFT to Indian Bank, CHOLAPUR using IFSC IDIB000C605
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 IDIB000C605, and confirm that the system picks up Indian Bank – CHOLAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHOLAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CHOLAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C605 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 – CHOLAPUR, use IMPS. With IFSC IDIB000C605 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Cholapur
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 IDIB000C605:
- 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 CHOLAPUR is still linked to IFSC IDIB000C605.
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.
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 CHOLAPUR branch, the IFSC IDIB000C605 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 Cholapur branch is mapped to IFSC IDIB000C605 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 IDIB000C605.
Products and services
Customers walking into the Cholapur 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 IDIB000C605
MICR & cheque-truncation details
Cheques drawn on the Cholapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000C605 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 Cholapur 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 IDIB000C605 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 – CHOLAPUR:
- The IFSC is exactly IDIB000C605 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 CHOLAPUR 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 Cholapur branch sits at DHARSAUNA VILL PO CHOLAPUR CHOLAPUR CHOLAPUR PIN 221101. If you are travelling from outside Cholapur, search for the branch on a maps application using the bank name and locality, or call 91-7380548618 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 IDIB000C605 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000C605 for Indian Bank – CHOLAPUR, 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 Cholapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000C605, however, work 24x7.
Branch address & contact
Indian BankCholapur Branch
DHARSAUNA VILL PO CHOLAPUR CHOLAPUR CHOLAPUR PIN 221101
Cholapur, Uttar Pradesh
Phone: 91-7380548618
IFSC: IDIB000C605
Frequently asked questions
How do I add Indian Bank Cholapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000C605, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Cholapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7380548618 to confirm.
Is IFSC IDIB000C605 the same for all accounts at Cholapur branch?
Yes. The IFSC IDIB000C605 is shared by every account held at Indian Bank's Cholapur branch. Only the account number changes from customer to customer.
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 Cholapur branch but serve different purposes.
Where is Indian Bank Cholapur branch located?
Indian Bank's Cholapur branch is located at DHARSAUNA VILL PO CHOLAPUR CHOLAPUR CHOLAPUR PIN 221101, Cholapur, Uttar Pradesh.
How quickly will an NEFT transfer using IDIB000C605 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Cholapur reflect within 30 minutes.
What is the IFSC code of Indian Bank Cholapur branch?
The IFSC code of Indian Bank, Cholapur branch is IDIB000C605. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000C605 valid for NEFT and RTGS?
Yes. IFSC IDIB000C605 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000C605 belongs to Indian Bank's CHOLAPUR branch, located at DHARSAUNA VILL PO CHOLAPUR CHOLAPUR CHOLAPUR PIN 221101 in CHOLAPUR, 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.
