Use this page as a one-stop reference for everything related to Indian Bank's GARIA branch in GARIA, WEST BENGAL. The branch's IFSC code IDIB000K753 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, IDIB000K753 is the IFSC of Indian Bank's GARIA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K753 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Garia |
| IFSC Code | IDIB000K753 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 120 A RAJA SUBODH MULLICK ROAD KOLKATA GARIA GARIA KOLKATA PIN 700047 |
| City | Garia |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 24300322 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Garia branch — IFSC IDIB000K753 — extends the bank's services to customers in and around Garia, West Bengal.
Garia branch overview
Located at 120 A RAJA SUBODH MULLICK ROAD KOLKATA GARIA GARIA KOLKATA PIN 700047, the Garia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000K753 is required for all interbank electronic transfers routed through this branch.
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 GARIA of Indian Bank — its own 11-character IFSC. The code IDIB000K753 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 IDIB000K753 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000K753
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 IDIB000K753 across all three.
NEFT to Indian Bank, GARIA using IFSC IDIB000K753
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 IDIB000K753, and confirm that the system picks up Indian Bank – GARIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GARIA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's GARIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K753 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 – GARIA, use IMPS. With IFSC IDIB000K753 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 Garia
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 IDIB000K753:
- 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 GARIA is still linked to IFSC IDIB000K753.
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.
UPI payments and IFSC IDIB000K753
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Bank – GARIA is still mapped to IFSC IDIB000K753. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IDIB000K753 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Garia branch is mapped to IFSC IDIB000K753 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 IDIB000K753.
Products and services
Customers walking into the Garia 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 IDIB000K753
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 IDIB000K753 and the account number together uniquely identify the Garia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000K753
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the GARIA 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 IDIB000K753 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 IDIB000K753
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 – GARIA, 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:
IDIB000K753. - 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 Garia branch
The branch is located at 120 A RAJA SUBODH MULLICK ROAD KOLKATA GARIA GARIA KOLKATA PIN 700047, which puts it inside Garia, the broader Kolkata district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Garia branch” — the verified location pin for IFSC IDIB000K753 should appear at the top of the results.
- Confirm the branch is open by calling 33-24300322 before stepping out, especially around public holidays.
- 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 IDIB000K753 and your account number.
Verifying IFSC IDIB000K753 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 IDIB000K753 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-24300322.
- 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 Garia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K753, however, work 24x7.
Branch address & contact
Indian BankGaria Branch
120 A RAJA SUBODH MULLICK ROAD KOLKATA GARIA GARIA KOLKATA PIN 700047
Garia, West Bengal
Phone: 33-24300322
IFSC: IDIB000K753
Frequently asked questions
How quickly will an NEFT transfer using IDIB000K753 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Garia reflect within 30 minutes.
Does Indian Bank Garia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-24300322 to confirm.
Where is Indian Bank Garia branch located?
Indian Bank's Garia branch is located at 120 A RAJA SUBODH MULLICK ROAD KOLKATA GARIA GARIA KOLKATA PIN 700047, Garia, West Bengal.
What is the phone number of Indian Bank Garia branch?
You can reach the branch at 33-24300322 during regular banking hours.
How do I add Indian Bank Garia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K753, 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 Garia branch but serve different purposes.
Is IFSC IDIB000K753 valid for NEFT and RTGS?
Yes. IFSC IDIB000K753 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000K753 the same for all accounts at Garia branch?
Yes. The IFSC IDIB000K753 is shared by every account held at Indian Bank's Garia branch. Only the account number changes from customer to customer.
Summary
The IFSC code IDIB000K753 belongs to Indian Bank's GARIA branch, located at 120 A RAJA SUBODH MULLICK ROAD KOLKATA GARIA GARIA KOLKATA PIN 700047 in GARIA, WEST BENGAL. 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.
