Use this page as a one-stop reference for everything related to Indian Bank's GAJAIKOL branch in GAJAIKOL, UTTAR PRADESH. The branch's IFSC code IDIB000G513 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.
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 – GAJAIKOL is IDIB000G513. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00G513 map to this branch in GAJAIKOL, UTTAR PRADESH.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gajaikol branch — IFSC IDIB000G513 — extends the bank's services to customers in and around Gajaikol, Uttar Pradesh.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Gajaikol |
| IFSC Code | IDIB000G513 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GAJAIKOLE NAI BAZAR PO JANGAL RASULPUR GAJAIKOL JANGAL RASULPUR PIN 273203 |
| City | Gajaikol |
| District | Gorakhpur |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9451091226 |
About the Gajaikol branch
The Gajaikol branch of Indian Bank is situated at GAJAIKOLE NAI BAZAR PO JANGAL RASULPUR GAJAIKOL JANGAL RASULPUR PIN 273203. 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 IDIB000G513 is used.
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 GAJAIKOL of Indian Bank — its own 11-character IFSC. The code IDIB000G513 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 IDIB000G513 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Gajaikol branch is mapped to IFSC IDIB000G513 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 IDIB000G513.
Products and services
Customers walking into the Gajaikol 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 IDIB000G513
How to transfer money using IFSC IDIB000G513
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 IDIB000G513 across all three.
How to use IFSC IDIB000G513 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's GAJAIKOL 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 IDIB000G513.
- Confirm the bank name auto-populates as Indian Bank and the branch as GAJAIKOL.
- 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 GAJAIKOL
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's GAJAIKOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000G513 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 – GAJAIKOL, use IMPS. With IFSC IDIB000G513 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000G513 for Indian Bank – GAJAIKOL, 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 – IDIB000G513 | Yes – IDIB000G513 | Yes – IDIB000G513 |
For most retail customers crediting the Gajaikol 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 GAJAIKOL branch, the IFSC IDIB000G513 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.
Digital banking channels
Most day-to-day work that customers used to do at the Gajaikol 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 IDIB000G513 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.
MICR & cheque-truncation details
Cheques drawn on the Gajaikol branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000G513 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 – GAJAIKOL:
- The IFSC is exactly IDIB000G513 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 GAJAIKOL 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 Gajaikol branch sits at GAJAIKOLE NAI BAZAR PO JANGAL RASULPUR GAJAIKOL JANGAL RASULPUR PIN 273203. If you are travelling from outside Gajaikol, search for the branch on a maps application using the bank name and locality, or call 91-9451091226 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 IDIB000G513 and your account number.
Verifying IFSC IDIB000G513 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 IDIB000G513 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9451091226.
- Visiting the bank's official branch locator page.
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 Gajaikol branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000G513, however, work 24x7.
Branch address & contact
Indian BankGajaikol Branch
GAJAIKOLE NAI BAZAR PO JANGAL RASULPUR GAJAIKOL JANGAL RASULPUR PIN 273203
Gajaikol, Uttar Pradesh
Phone: 91-9451091226
IFSC: IDIB000G513
Frequently asked questions
Is IFSC IDIB000G513 the same for all accounts at Gajaikol branch?
Yes. The IFSC IDIB000G513 is shared by every account held at Indian Bank's Gajaikol branch. Only the account number changes from customer to customer.
Where is Indian Bank Gajaikol branch located?
Indian Bank's Gajaikol branch is located at GAJAIKOLE NAI BAZAR PO JANGAL RASULPUR GAJAIKOL JANGAL RASULPUR PIN 273203, Gajaikol, Uttar Pradesh.
What is the phone number of Indian Bank Gajaikol branch?
You can reach the branch at 91-9451091226 during regular banking hours.
How do I add Indian Bank Gajaikol as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000G513, 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 Gajaikol branch but serve different purposes.
What is the IFSC code of Indian Bank Gajaikol branch?
The IFSC code of Indian Bank, Gajaikol branch is IDIB000G513. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IDIB000G513 belongs to Indian Bank's GAJAIKOL branch, located at GAJAIKOLE NAI BAZAR PO JANGAL RASULPUR GAJAIKOL JANGAL RASULPUR PIN 273203 in GAJAIKOL, UTTAR PRADESH. 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.
