If you are searching for the IFSC code of Indian Bank, CUTTACK branch in CUTTACK, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IDIB000C037. 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 CUTTACK branch, and detailed step-by-step guides for using the IFSC IDIB000C037 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.
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 – CUTTACK is IDIB000C037. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00C037 map to this branch in CUTTACK, ODISHA.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Cuttack |
| IFSC Code | IDIB000C037 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 162C MANGALABAGH BUXI BAZAAR CUTTACK BUXIBAZAR PIN 753001 |
| City | Cuttack |
| District | Cuttack |
| State | Odisha |
| STD Code | 671 |
| Phone | 2414240 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Cuttack branch in Cuttack. 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, IDIB000C037.
About this branch
The branch is located at 162C MANGALABAGH BUXI BAZAAR CUTTACK BUXIBAZAR PIN 753001. It serves the Cuttack 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 IDIB000C037 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 CUTTACK branch came to be assigned the code IDIB000C037.
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 IDIB000C037, money simply cannot be routed to the CUTTACK branch electronically.
How to transfer money using IFSC IDIB000C037
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 IDIB000C037 across all three.
NEFT to Indian Bank, CUTTACK using IFSC IDIB000C037
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 IDIB000C037, and confirm that the system picks up Indian Bank – CUTTACK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CUTTACK
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CUTTACK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C037 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank CUTTACK (IFSC IDIB000C037)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000C037 in your mobile or internet banking app, and the money is credited to the CUTTACK branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Cuttack
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 IDIB000C037:
- 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 CUTTACK is still linked to IFSC IDIB000C037.
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 IDIB000C037
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 – CUTTACK is still mapped to IFSC IDIB000C037. 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 IDIB000C037 and the beneficiary's account number to complete the transfer.
Account types you can open at the Cuttack branch
Once you have an account at Indian Bank – CUTTACK, the IFSC IDIB000C037 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Cuttack 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 IDIB000C037
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 IDIB000C037 and the account number together uniquely identify the Cuttack branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Cuttack 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 IDIB000C037 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 – CUTTACK:
- The IFSC is exactly IDIB000C037 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 CUTTACK 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.
How to reach the Cuttack branch
The branch is located at 162C MANGALABAGH BUXI BAZAAR CUTTACK BUXIBAZAR PIN 753001, which puts it inside Cuttack, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Cuttack branch” — the verified location pin for IFSC IDIB000C037 should appear at the top of the results.
- Confirm the branch is open by calling 671-2414240 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IDIB000C037 and your account number.
Verifying IFSC IDIB000C037 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 IDIB000C037 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 671-2414240.
- 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 Cuttack branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000C037, however, work 24x7.
Branch address & contact
Indian BankCuttack Branch
162C MANGALABAGH BUXI BAZAAR CUTTACK BUXIBAZAR PIN 753001
Cuttack, Odisha
Phone: 671-2414240
IFSC: IDIB000C037
Frequently asked questions
Is IFSC IDIB000C037 the same for all accounts at Cuttack branch?
Yes. The IFSC IDIB000C037 is shared by every account held at Indian Bank's Cuttack branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Cuttack branch?
You can reach the branch at 671-2414240 during regular banking hours.
How quickly will an NEFT transfer using IDIB000C037 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Cuttack reflect within 30 minutes.
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 Cuttack branch but serve different purposes.
Where is Indian Bank Cuttack branch located?
Indian Bank's Cuttack branch is located at 162C MANGALABAGH BUXI BAZAAR CUTTACK BUXIBAZAR PIN 753001, Cuttack, Odisha.
Does Indian Bank Cuttack branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 671-2414240 to confirm.
Can I use IFSC IDIB000C037 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000C037 to send funds instantly.
Is IFSC IDIB000C037 valid for NEFT and RTGS?
Yes. IFSC IDIB000C037 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000C037 is the IFSC code of Indian Bank, CUTTACK branch, in CUTTACK, ODISHA. 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.
