IFSC Code of Indian Bank, S K M University Dumka Branch, Jharkhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, S K M UNIVERSITY DUMKA branch in DUMKA. The 11-digit IFSC IDIB000S735 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 S K M UNIVERSITY DUMKA 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 – S K M UNIVERSITY DUMKA is IDIB000S735. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00S735 map to this branch in DUMKA, JHARKHAND.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The S K M University Dumka branch — IFSC IDIB000S735 — extends the bank's services to customers in and around Dumka, Jharkhand.

Branch details at a glance

About this branch

The branch is located at SP COLLEGE ROAD DUMKA DUMKA DUMKA PIN 814101. It serves the Dumka 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 IDIB000S735 is used to identify this branch on the RBI payments network.

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 S K M UNIVERSITY DUMKA of Indian Bank — its own 11-character IFSC. The code IDIB000S735 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 IDIB000S735 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the S K M University Dumka branch

Once you have an account at Indian Bank – S K M UNIVERSITY DUMKA, the IFSC IDIB000S735 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 S K M University Dumka 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 IDIB000S735

How to transfer money using IFSC IDIB000S735

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 IDIB000S735 across all three.

NEFT to Indian Bank, S K M UNIVERSITY DUMKA using IFSC IDIB000S735

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 IDIB000S735, and confirm that the system picks up Indian Bank – S K M UNIVERSITY DUMKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to S K M UNIVERSITY DUMKA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's S K M UNIVERSITY DUMKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000S735 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank S K M UNIVERSITY DUMKA (IFSC IDIB000S735)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000S735 in your mobile or internet banking app, and the money is credited to the S K M UNIVERSITY DUMKA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to S K M University Dumka

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 IDIB000S735:

• 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 S K M UNIVERSITY DUMKA is still linked to IFSC IDIB000S735.

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 S K M UNIVERSITY DUMKA branch, the IFSC IDIB000S735 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 IDIB000S735

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the S K M UNIVERSITY DUMKA 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 IDIB000S735 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 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 IDIB000S735 and the account number together uniquely identify the S K M University Dumka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – S K M UNIVERSITY DUMKA:

• The IFSC is exactly IDIB000S735 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 S K M UNIVERSITY DUMKA 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 S K M University Dumka branch

The branch is located at SP COLLEGE ROAD DUMKA DUMKA DUMKA PIN 814101, which puts it inside Dumka, 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 S K M University Dumka branch” — the verified location pin for IFSC IDIB000S735 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7805830952 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 IDIB000S735 and your account number.

Verifying IFSC IDIB000S735 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 IDIB000S735 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7805830952.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at S K M University Dumka 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 IDIB000S735 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000S735 belongs to Indian Bank's S K M UNIVERSITY DUMKA branch, located at SP COLLEGE ROAD DUMKA DUMKA DUMKA PIN 814101 in DUMKA, JHARKHAND. 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.