If you are searching for the IFSC code of Indian Bank, DURGAPUR BENACHITTY branch in DURGAPUR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is IDIB000D687. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the DURGAPUR BENACHITTY branch, and detailed step-by-step guides for using the IFSC IDIB000D687 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IDIB000D687 is the IFSC of Indian Bank's DURGAPUR BENACHITTY branch. The format is fixed: IDIB = bank code, 0 = reserved, 00D687 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Durgapur Benachitty branch in Durgapur. 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, IDIB000D687.
About this branch
The branch is located at RUMA SWEETS BUILDING BENACHITYNACHAN ROAD DURGAPUR PO PSSUB DIVDURGAPUR DURGAPUR BENACHITY PIN 713213. It serves the Durgapur 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 IDIB000D687 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Durgapur Benachitty |
| IFSC Code | IDIB000D687 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RUMA SWEETS BUILDING BENACHITYNACHAN ROAD DURGAPUR PO PSSUB DIVDURGAPUR DURGAPUR BENACHITY PIN 713213 |
| City | Durgapur |
| District | Paschim Barddhaman |
| State | West Bengal |
| STD Code | 91 |
| Phone | 7908383065 |
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 DURGAPUR BENACHITTY branch came to be assigned the code IDIB000D687.
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 IDIB000D687, money simply cannot be routed to the DURGAPUR BENACHITTY branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Durgapur Benachitty branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000D687 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000D687
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 IDIB000D687 across all three.
How to use IFSC IDIB000D687 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's DURGAPUR BENACHITTY 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000D687.
- Confirm the bank name auto-populates as Indian Bank and the branch as DURGAPUR BENACHITTY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000D687
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 – DURGAPUR BENACHITTY, ensure your bank's portal accepts IFSC IDIB000D687 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank DURGAPUR BENACHITTY (IFSC IDIB000D687)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000D687 in your mobile or internet banking app, and the money is credited to the DURGAPUR BENACHITTY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000D687 for Indian Bank – DURGAPUR BENACHITTY, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IDIB000D687 | Yes – IDIB000D687 | Yes – IDIB000D687 |
For most retail customers crediting the Durgapur Benachitty 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 DURGAPUR BENACHITTY branch, the IFSC IDIB000D687 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 Durgapur Benachitty branch
Once you have an account at Indian Bank – DURGAPUR BENACHITTY, the IFSC IDIB000D687 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 Durgapur Benachitty 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 IDIB000D687
Online banking and IFSC IDIB000D687
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the DURGAPUR BENACHITTY 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 IDIB000D687 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.
Reaching the branch
The Durgapur Benachitty branch sits at RUMA SWEETS BUILDING BENACHITYNACHAN ROAD DURGAPUR PO PSSUB DIVDURGAPUR DURGAPUR BENACHITY PIN 713213. If you are travelling from outside Durgapur, search for the branch on a maps application using the bank name and locality, or call 91-7908383065 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 IDIB000D687 and your account number.
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 – DURGAPUR BENACHITTY:
- The IFSC is exactly IDIB000D687 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 DURGAPUR BENACHITTY 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Durgapur Benachitty branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000D687, however, work 24x7.
Verifying IFSC IDIB000D687 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 IDIB000D687 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7908383065.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankDurgapur Benachitty Branch
RUMA SWEETS BUILDING BENACHITYNACHAN ROAD DURGAPUR PO PSSUB DIVDURGAPUR DURGAPUR BENACHITY PIN 713213
Durgapur, West Bengal
Phone: 91-7908383065
IFSC: IDIB000D687
Frequently asked questions
What is the phone number of Indian Bank Durgapur Benachitty branch?
You can reach the branch at 91-7908383065 during regular banking hours.
Does Indian Bank Durgapur Benachitty branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7908383065 to confirm.
Is IFSC IDIB000D687 valid for NEFT and RTGS?
Yes. IFSC IDIB000D687 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Durgapur Benachitty as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000D687, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Durgapur Benachitty branch but serve different purposes.
Is IFSC IDIB000D687 the same for all accounts at Durgapur Benachitty branch?
Yes. The IFSC IDIB000D687 is shared by every account held at Indian Bank's Durgapur Benachitty branch. Only the account number changes from customer to customer.
Final notes
To recap: IDIB000D687 is the IFSC code of Indian Bank, DURGAPUR BENACHITTY branch, in DURGAPUR, 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.
