IFSC Code of Indian Bank, Laheriasarai Branch, Bihar

Use this page as a one-stop reference for everything related to Indian Bank's LAHERIASARAI branch in DARBHANGA, BIHAR. The branch's IFSC code IDIB000L508 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Indian Bank's LAHERIASARAI branch, the IFSC IDIB000L508 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00L508 identifies this particular branch.

Branch details at a glance

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Laheriasarai branch in Darbhanga, Bihar is part of this network and uses the IFSC code IDIB000L508 for all electronic settlement.

About the Laheriasarai branch

The Laheriasarai branch of Indian Bank is situated at VIP ROAD VIP ROAD NEAR ML ACADEMY DARBHANGA LAHERIASARAI PIN 846001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDIB000L508 is used.

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 LAHERIASARAI branch came to be assigned the code IDIB000L508.

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 IDIB000L508, money simply cannot be routed to the LAHERIASARAI branch electronically.

How to transfer money using IFSC IDIB000L508

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 IDIB000L508 across all three.

How to use IFSC IDIB000L508 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's LAHERIASARAI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IDIB000L508.
4. Confirm the bank name auto-populates as Indian Bank and the branch as LAHERIASARAI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to LAHERIASARAI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's LAHERIASARAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000L508 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank LAHERIASARAI (IFSC IDIB000L508)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000L508 in your mobile or internet banking app, and the money is credited to the LAHERIASARAI branch account within seconds.

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

All three modes accept the IFSC IDIB000L508 for Indian Bank – LAHERIASARAI, 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 Laheriasarai 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 LAHERIASARAI branch, the IFSC IDIB000L508 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.

Account types you can open at the Laheriasarai branch

Once you have an account at Indian Bank – LAHERIASARAI, the IFSC IDIB000L508 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 Laheriasarai 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 IDIB000L508

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 IDIB000L508 and the account number together uniquely identify the Laheriasarai 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 Laheriasarai 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 IDIB000L508 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 – LAHERIASARAI:

• The IFSC is exactly IDIB000L508 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 LAHERIASARAI 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 Laheriasarai branch

The branch is located at VIP ROAD VIP ROAD NEAR ML ACADEMY DARBHANGA LAHERIASARAI PIN 846001, which puts it inside Darbhanga, the broader Darbhanga district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Laheriasarai branch” — the verified location pin for IFSC IDIB000L508 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8383861190 before stepping out, especially around public holidays.
3. 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 IDIB000L508 and your account number.

Verifying IFSC IDIB000L508 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 IDIB000L508 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8383861190.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Laheriasarai 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 IDIB000L508 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000L508 belongs to Indian Bank's LAHERIASARAI branch, located at VIP ROAD VIP ROAD NEAR ML ACADEMY DARBHANGA LAHERIASARAI PIN 846001 in DARBHANGA, BIHAR. 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.