This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, LUCKNOW DALIGANJ branch in DALIGANJ. The 11-digit IFSC IDIB000D516 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the LUCKNOW DALIGANJ location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, IDIB000D516 is the IFSC of Indian Bank's LUCKNOW DALIGANJ branch. The format is fixed: IDIB = bank code, 0 = reserved, 00D516 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Lucknow Daliganj |
| IFSC Code | IDIB000D516 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 498/11HASAN GANJ DALIGANJ DALIGANJ DALIGANJ PIN 226020 |
| City | Daliganj |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8400833090 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Lucknow Daliganj branch in Daliganj. 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, IDIB000D516.
Lucknow Daliganj branch overview
Located at 498/11HASAN GANJ DALIGANJ DALIGANJ DALIGANJ PIN 226020, the Lucknow Daliganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000D516 is required for all interbank electronic transfers routed through this branch.
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 LUCKNOW DALIGANJ branch came to be assigned the code IDIB000D516.
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 IDIB000D516, money simply cannot be routed to the LUCKNOW DALIGANJ branch electronically.
How to transfer money using IFSC IDIB000D516
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 IDIB000D516 across all three.
NEFT to Indian Bank, LUCKNOW DALIGANJ using IFSC IDIB000D516
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 IDIB000D516, and confirm that the system picks up Indian Bank – LUCKNOW DALIGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000D516
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Bank – LUCKNOW DALIGANJ, ensure your bank's portal accepts IFSC IDIB000D516 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank LUCKNOW DALIGANJ (IFSC IDIB000D516)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000D516 in your mobile or internet banking app, and the money is credited to the LUCKNOW DALIGANJ branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000D516 for Indian Bank – LUCKNOW DALIGANJ, 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 – IDIB000D516 | Yes – IDIB000D516 | Yes – IDIB000D516 |
For most retail customers crediting the Lucknow Daliganj 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.
UPI payments and IFSC IDIB000D516
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 – LUCKNOW DALIGANJ is still mapped to IFSC IDIB000D516. 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 IDIB000D516 and the beneficiary's account number to complete the transfer.
Account types you can open at the Lucknow Daliganj branch
Once you have an account at Indian Bank – LUCKNOW DALIGANJ, the IFSC IDIB000D516 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.
Banking services available
The Lucknow Daliganj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8400833090.
- 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 IDIB000D516
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 IDIB000D516 and the account number together uniquely identify the Lucknow Daliganj 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 Lucknow Daliganj 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 IDIB000D516 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.
Common mistakes to avoid when using IFSC IDIB000D516
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 – LUCKNOW DALIGANJ, 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:
IDIB000D516. - 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.
How to reach the Lucknow Daliganj branch
The branch is located at 498/11HASAN GANJ DALIGANJ DALIGANJ DALIGANJ PIN 226020, which puts it inside Daliganj, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Lucknow Daliganj branch” — the verified location pin for IFSC IDIB000D516 should appear at the top of the results.
- Confirm the branch is open by calling 91-8400833090 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 IDIB000D516 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000D516 for Indian Bank – LUCKNOW DALIGANJ, 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 Lucknow Daliganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000D516, however, work 24x7.
Branch address & contact
Indian BankLucknow Daliganj Branch
498/11HASAN GANJ DALIGANJ DALIGANJ DALIGANJ PIN 226020
Daliganj, Uttar Pradesh
Phone: 91-8400833090
IFSC: IDIB000D516
Frequently asked questions
How quickly will an NEFT transfer using IDIB000D516 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Lucknow Daliganj reflect within 30 minutes.
Is IFSC IDIB000D516 the same for all accounts at Lucknow Daliganj branch?
Yes. The IFSC IDIB000D516 is shared by every account held at Indian Bank's Lucknow Daliganj branch. Only the account number changes from customer to customer.
Where is Indian Bank Lucknow Daliganj branch located?
Indian Bank's Lucknow Daliganj branch is located at 498/11HASAN GANJ DALIGANJ DALIGANJ DALIGANJ PIN 226020, Daliganj, Uttar Pradesh.
Can I use IFSC IDIB000D516 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000D516 to send funds instantly.
Is IFSC IDIB000D516 valid for NEFT and RTGS?
Yes. IFSC IDIB000D516 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Lucknow Daliganj branch but serve different purposes.
How do I add Indian Bank Lucknow Daliganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000D516, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Lucknow Daliganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8400833090 to confirm.
Summary
The IFSC code IDIB000D516 belongs to Indian Bank's LUCKNOW DALIGANJ branch, located at 498/11HASAN GANJ DALIGANJ DALIGANJ DALIGANJ PIN 226020 in DALIGANJ, 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.
