IFSC Code of Indian Bank, Skmu Sidhu Kanhu Murmu University Dighi Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI branch in DIGGHI. The 11-digit IFSC IDIB000S316 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 SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI 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.

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 – SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI is IDIB000S316. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00S316 map to this branch in DIGGHI, JHARKHAND.

Branch details at a glance

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Skmu Sidhu Kanhu Murmu University Dighi branch — IFSC IDIB000S316 — extends the bank's services to customers in and around Digghi, Jharkhand.

About the Skmu Sidhu Kanhu Murmu University Dighi branch

The Skmu Sidhu Kanhu Murmu University Dighi branch of Indian Bank is situated at SKMU DIGGHI CAMPUS VILL DIGGHI DIGGHI TELIYACHAK PIN 814110. 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 IDIB000S316 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 SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI branch came to be assigned the code IDIB000S316.

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 IDIB000S316, money simply cannot be routed to the SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI branch electronically.

How to transfer money using IFSC IDIB000S316

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 IDIB000S316 across all three.

How to use IFSC IDIB000S316 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI 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 IDIB000S316.
4. Confirm the bank name auto-populates as Indian Bank and the branch as SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI.
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 SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000S316 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Bank – SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI, use IMPS. With IFSC IDIB000S316 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Skmu Sidhu Kanhu Murmu University Dighi

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 IDIB000S316:

• 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 SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI is still linked to IFSC IDIB000S316.

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 SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI branch, the IFSC IDIB000S316 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 Skmu Sidhu Kanhu Murmu University Dighi branch

Once you have an account at Indian Bank – SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI, the IFSC IDIB000S316 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 Skmu Sidhu Kanhu Murmu University Dighi 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 IDIB000S316

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 IDIB000S316 and the account number together uniquely identify the Skmu Sidhu Kanhu Murmu University Dighi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IDIB000S316

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI 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 IDIB000S316 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.

Common mistakes to avoid when using IFSC IDIB000S316

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 – SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI, 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: IDIB000S316.
• 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 Skmu Sidhu Kanhu Murmu University Dighi branch

The branch is located at SKMU DIGGHI CAMPUS VILL DIGGHI DIGGHI TELIYACHAK PIN 814110, which puts it inside Digghi, the broader Dumka district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Skmu Sidhu Kanhu Murmu University Dighi branch” — the verified location pin for IFSC IDIB000S316 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8294529886 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 IDIB000S316 and your account number.

Verifying IFSC IDIB000S316 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 IDIB000S316 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8294529886.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Skmu Sidhu Kanhu Murmu University Dighi 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 IDIB000S316 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000S316 is the IFSC code of Indian Bank, SKMU SIDHU KANHU MURMU UNIVERSITY DIGHI branch, in DIGGHI, JHARKHAND. 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.