IFSC Code of Indian Bank, Dharamtolla Branch, West Bengal

Use this page as a one-stop reference for everything related to Indian Bank's DHARAMTOLLA branch in DHARAMTOLLA, WEST BENGAL. The branch's IFSC code IDIB000D015 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.

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, IDIB000D015 is the IFSC of Indian Bank's DHARAMTOLLA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00D015 = branch identifier.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Dharamtolla branch in Dharamtolla. 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, IDIB000D015.

Branch details at a glance

Dharamtolla branch overview

Located at GROUND FLOOR 4 PURAN CHAND NAHAR AVENUE TALTALA DHARAM TOLLA KOLKATA TALTALA DHARAMTOLLA DHARAMTOLLA PIN 700013, the Dharamtolla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000D015 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 DHARAMTOLLA branch came to be assigned the code IDIB000D015.

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 IDIB000D015, money simply cannot be routed to the DHARAMTOLLA branch electronically.

Products and account variants supported

Every account opened at the Dharamtolla branch is mapped to IFSC IDIB000D015 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 IDIB000D015.

Products and services

Customers walking into the Dharamtolla 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 IDIB000D015

How to transfer money using IFSC IDIB000D015

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 IDIB000D015 across all three.

NEFT to Indian Bank, DHARAMTOLLA using IFSC IDIB000D015

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 IDIB000D015, and confirm that the system picks up Indian Bank – DHARAMTOLLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB000D015

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 – DHARAMTOLLA, ensure your bank's portal accepts IFSC IDIB000D015 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank DHARAMTOLLA (IFSC IDIB000D015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000D015 in your mobile or internet banking app, and the money is credited to the DHARAMTOLLA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Dharamtolla

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 IDIB000D015:

• 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 DHARAMTOLLA is still linked to IFSC IDIB000D015.

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.

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 DHARAMTOLLA branch, the IFSC IDIB000D015 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 IDIB000D015

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the DHARAMTOLLA 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 IDIB000D015 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 & cheque-truncation details

Cheques drawn on the Dharamtolla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000D015 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – DHARAMTOLLA:

• The IFSC is exactly IDIB000D015 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 DHARAMTOLLA 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.

Reaching the branch

The Dharamtolla branch sits at GROUND FLOOR 4 PURAN CHAND NAHAR AVENUE TALTALA DHARAM TOLLA KOLKATA TALTALA DHARAMTOLLA DHARAMTOLLA PIN 700013. If you are travelling from outside Dharamtolla, search for the branch on a maps application using the bank name and locality, or call 91-6206162848 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 IDIB000D015 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000D015 for Indian Bank – DHARAMTOLLA, 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 Dharamtolla 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 IDIB000D015 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000D015 is the IFSC code of Indian Bank, DHARAMTOLLA branch, in DHARAMTOLLA, WEST BENGAL. 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.