IFSC Code of Indian Bank, Cuttack Cantonment Road Branch, Odisha

If you are searching for the IFSC code of Indian Bank, CUTTACK CANTONMENT ROAD branch in CUTTACK, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IDIB000C646. 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 CANTONMENT ROAD branch, and detailed step-by-step guides for using the IFSC IDIB000C646 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 CANTONMENT ROAD is IDIB000C646. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00C646 map to this branch in CUTTACK, ODISHA.

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Cuttack Cantonment Road branch in Cuttack, Odisha is part of this network and uses the IFSC code IDIB000C646 for all electronic settlement.

Branch details at a glance

Cuttack Cantonment Road branch overview

Located at MONI BHAWAN 11 CANTONMENT ROAD CANTONMENT ROAD CANTONMENT ROAD BUXI BAZAR PIN 753001, the Cuttack Cantonment Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000C646 is required for all interbank electronic transfers routed through this branch.

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 CUTTACK CANTONMENT ROAD of Indian Bank — its own 11-character IFSC. The code IDIB000C646 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 IDIB000C646 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Cuttack Cantonment Road branch is mapped to IFSC IDIB000C646 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 IDIB000C646.

Banking services available

The Cuttack Cantonment Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8984767533.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000C646

How to transfer money using IFSC IDIB000C646

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 IDIB000C646 across all three.

NEFT to Indian Bank, CUTTACK CANTONMENT ROAD using IFSC IDIB000C646

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 IDIB000C646, and confirm that the system picks up Indian Bank – CUTTACK CANTONMENT ROAD. 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 CANTONMENT ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CUTTACK CANTONMENT ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C646 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank CUTTACK CANTONMENT ROAD (IFSC IDIB000C646)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000C646 in your mobile or internet banking app, and the money is credited to the CUTTACK CANTONMENT ROAD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000C646 for Indian Bank – CUTTACK CANTONMENT ROAD, 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.

For most retail customers crediting the Cuttack Cantonment Road 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 CUTTACK CANTONMENT ROAD branch, the IFSC IDIB000C646 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.

Online banking and IFSC IDIB000C646

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the CUTTACK CANTONMENT ROAD 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 IDIB000C646 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.

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 IDIB000C646 and the account number together uniquely identify the Cuttack Cantonment Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IDIB000C646

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 – CUTTACK CANTONMENT ROAD, 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: IDIB000C646.
• 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.

Reaching the branch

The Cuttack Cantonment Road branch sits at MONI BHAWAN 11 CANTONMENT ROAD CANTONMENT ROAD CANTONMENT ROAD BUXI BAZAR PIN 753001. If you are travelling from outside Cuttack, search for the branch on a maps application using the bank name and locality, or call 91-8984767533 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 IDIB000C646 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000C646 for Indian Bank – CUTTACK CANTONMENT ROAD, 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.

Working hours

Branch counters at Cuttack Cantonment Road 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 IDIB000C646 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000C646 belongs to Indian Bank's CUTTACK CANTONMENT ROAD branch, located at MONI BHAWAN 11 CANTONMENT ROAD CANTONMENT ROAD CANTONMENT ROAD BUXI BAZAR PIN… in CUTTACK, ODISHA. 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.