Use this page as a one-stop reference for everything related to Indian Bank's CONTAI branch in CONTAI, WEST BENGAL. The branch's IFSC code IDIB000C640 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 – CONTAI is IDIB000C640. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00C640 map to this branch in CONTAI, WEST BENGAL.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Contai |
| IFSC Code | IDIB000C640 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DIGHA BYPASS ROAD DHANDIGHI AT PO CONTAI CONTAI CONTAI PIN 721401 |
| City | Contai |
| District | Purba Medinipur |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9674538487 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Contai branch — IFSC IDIB000C640 — extends the bank's services to customers in and around Contai, West Bengal.
About this branch
The branch is located at DIGHA BYPASS ROAD DHANDIGHI AT PO CONTAI CONTAI CONTAI PIN 721401. It serves the Contai 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 IDIB000C640 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 CONTAI branch came to be assigned the code IDIB000C640.
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 IDIB000C640, money simply cannot be routed to the CONTAI branch electronically.
How to transfer money using IFSC IDIB000C640
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 IDIB000C640 across all three.
NEFT to Indian Bank, CONTAI using IFSC IDIB000C640
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 IDIB000C640, and confirm that the system picks up Indian Bank – CONTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CONTAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CONTAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C640 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank CONTAI (IFSC IDIB000C640)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000C640 in your mobile or internet banking app, and the money is credited to the CONTAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000C640 for Indian Bank – CONTAI, 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 – IDIB000C640 | Yes – IDIB000C640 | Yes – IDIB000C640 |
For most retail customers crediting the Contai 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 CONTAI branch, the IFSC IDIB000C640 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 Contai branch is mapped to IFSC IDIB000C640 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 IDIB000C640.
Products and services
Customers walking into the Contai 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 IDIB000C640
MICR & cheque-truncation details
Cheques drawn on the Contai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000C640 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 Contai 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 IDIB000C640 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 – CONTAI:
- The IFSC is exactly IDIB000C640 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 CONTAI 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 Contai branch sits at DIGHA BYPASS ROAD DHANDIGHI AT PO CONTAI CONTAI CONTAI PIN 721401. If you are travelling from outside Contai, search for the branch on a maps application using the bank name and locality, or call 91-9674538487 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 IDIB000C640 and your account number.
Verifying IFSC IDIB000C640 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 IDIB000C640 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9674538487.
- 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 Contai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000C640, however, work 24x7.
Branch address & contact
Indian BankContai Branch
DIGHA BYPASS ROAD DHANDIGHI AT PO CONTAI CONTAI CONTAI PIN 721401
Contai, West Bengal
Phone: 91-9674538487
IFSC: IDIB000C640
Frequently asked questions
Is IFSC IDIB000C640 valid for NEFT and RTGS?
Yes. IFSC IDIB000C640 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000C640 the same for all accounts at Contai branch?
Yes. The IFSC IDIB000C640 is shared by every account held at Indian Bank's Contai branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000C640 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000C640 to send funds instantly.
How do I add Indian Bank Contai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000C640, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000C640 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Contai reflect within 30 minutes.
What is the IFSC code of Indian Bank Contai branch?
The IFSC code of Indian Bank, Contai branch is IDIB000C640. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IDIB000C640 belongs to Indian Bank's CONTAI branch, located at DIGHA BYPASS ROAD DHANDIGHI AT PO CONTAI CONTAI CONTAI PIN 721401 in CONTAI, 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.
