IFSC Code of Indian Bank, Deshbandhu Nagar Baguiati Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, DESHBANDHU NAGAR BAGUIATI branch in DESHBANDHU NAGAR. The 11-digit IFSC IDIB000B183 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 DESHBANDHU NAGAR BAGUIATI 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, IDIB000B183 is the IFSC of Indian Bank's DESHBANDHU NAGAR BAGUIATI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00B183 = branch identifier.

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Deshbandhu Nagar Baguiati branch in Deshbandhu Nagar, West Bengal is part of this network and uses the IFSC code IDIB000B183 for all electronic settlement.

About this branch

The branch is located at EB 14/1 NEW ROAD DESHBANDHU NAGAR BAGUIATI PIN 700059. It serves the Deshbandhu Nagar 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 IDIB000B183 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 DESHBANDHU NAGAR BAGUIATI of Indian Bank — its own 11-character IFSC. The code IDIB000B183 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 IDIB000B183 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IDIB000B183 and the account number together uniquely identify the Deshbandhu Nagar Baguiati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDIB000B183

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 IDIB000B183 across all three.

NEFT to Indian Bank, DESHBANDHU NAGAR BAGUIATI using IFSC IDIB000B183

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 IDIB000B183, and confirm that the system picks up Indian Bank – DESHBANDHU NAGAR BAGUIATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DESHBANDHU NAGAR BAGUIATI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's DESHBANDHU NAGAR BAGUIATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000B183 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank DESHBANDHU NAGAR BAGUIATI (IFSC IDIB000B183)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000B183 in your mobile or internet banking app, and the money is credited to the DESHBANDHU NAGAR BAGUIATI branch account within seconds.

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

All three modes accept the IFSC IDIB000B183 for Indian Bank – DESHBANDHU NAGAR BAGUIATI, 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 Deshbandhu Nagar Baguiati 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 IDIB000B183

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 – DESHBANDHU NAGAR BAGUIATI is still mapped to IFSC IDIB000B183. 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 IDIB000B183 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Deshbandhu Nagar Baguiati branch is mapped to IFSC IDIB000B183 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 IDIB000B183.

Banking services available

The Deshbandhu Nagar Baguiati branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-25765069.

• 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 IDIB000B183

Digital banking channels

Most day-to-day work that customers used to do at the Deshbandhu Nagar Baguiati 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 IDIB000B183 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.

How to reach the Deshbandhu Nagar Baguiati branch

The branch is located at EB 14/1 NEW ROAD DESHBANDHU NAGAR BAGUIATI PIN 700059, which puts it inside Deshbandhu Nagar, the broader North 24 Parganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Deshbandhu Nagar Baguiati branch” — the verified location pin for IFSC IDIB000B183 should appear at the top of the results.
2. Confirm the branch is open by calling 33-25765069 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 IDIB000B183 and your account number.

Common mistakes to avoid when using IFSC IDIB000B183

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 – DESHBANDHU NAGAR BAGUIATI, 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: IDIB000B183.
• 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.

Working hours

Branch counters at Deshbandhu Nagar Baguiati 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 IDIB000B183 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000B183 for Indian Bank – DESHBANDHU NAGAR BAGUIATI, 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 address & contact

Frequently asked questions

Summary

The IFSC code IDIB000B183 belongs to Indian Bank's DESHBANDHU NAGAR BAGUIATI branch, located at EB 14/1 NEW ROAD DESHBANDHU NAGAR BAGUIATI PIN 700059 in DESHBANDHU NAGAR, 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.