Use this page as a one-stop reference for everything related to Indian Bank's GARKHAL branch in GARKHAL, HIMACHAL PRADESH. The branch's IFSC code IDIB000G125 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, IDIB000G125 is the IFSC of Indian Bank's GARKHAL branch. The format is fixed: IDIB = bank code, 0 = reserved, 00G125 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Garkhal branch in Garkhal, Himachal Pradesh is part of this network and uses the IFSC code IDIB000G125 for all electronic settlement.
About the Garkhal branch
The Garkhal branch of Indian Bank is situated at NA INDIAN BANK JUBBAR ROAD GARKHAL GARKHAL PIN 173201. 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 IDIB000G125 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Garkhal |
| IFSC Code | IDIB000G125 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NA INDIAN BANK JUBBAR ROAD GARKHAL GARKHAL PIN 173201 |
| City | Garkhal |
| District | Solan |
| State | Himachal Pradesh |
| STD Code | 1792 |
| Phone | 272233 |
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 GARKHAL branch came to be assigned the code IDIB000G125.
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 IDIB000G125, money simply cannot be routed to the GARKHAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Garkhal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000G125 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 IDIB000G125
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 IDIB000G125 across all three.
How to use IFSC IDIB000G125 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's GARKHAL 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 IDIB000G125.
- Confirm the bank name auto-populates as Indian Bank and the branch as GARKHAL.
- 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 GARKHAL
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's GARKHAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000G125 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 – GARKHAL, use IMPS. With IFSC IDIB000G125 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 Garkhal
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 IDIB000G125:
- 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 GARKHAL is still linked to IFSC IDIB000G125.
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 IDIB000G125
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 – GARKHAL is still mapped to IFSC IDIB000G125. 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 IDIB000G125 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Garkhal branch is mapped to IFSC IDIB000G125 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 IDIB000G125.
Banking services available
The Garkhal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1792-272233.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000G125
Digital banking channels
Most day-to-day work that customers used to do at the Garkhal 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 IDIB000G125 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.
Reaching the branch
The Garkhal branch sits at NA INDIAN BANK JUBBAR ROAD GARKHAL GARKHAL PIN 173201. If you are travelling from outside Garkhal, search for the branch on a maps application using the bank name and locality, or call 1792-272233 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 IDIB000G125 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 – GARKHAL:
- The IFSC is exactly IDIB000G125 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 GARKHAL 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 Garkhal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000G125, however, work 24x7.
Verifying IFSC IDIB000G125 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 IDIB000G125 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1792-272233.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankGarkhal Branch
NA INDIAN BANK JUBBAR ROAD GARKHAL GARKHAL PIN 173201
Garkhal, Himachal Pradesh
Phone: 1792-272233
IFSC: IDIB000G125
Frequently asked questions
Where is Indian Bank Garkhal branch located?
Indian Bank's Garkhal branch is located at NA INDIAN BANK JUBBAR ROAD GARKHAL GARKHAL PIN 173201, Garkhal, Himachal Pradesh.
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 Garkhal branch but serve different purposes.
How do I add Indian Bank Garkhal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000G125, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Bank Garkhal branch?
You can reach the branch at 1792-272233 during regular banking hours.
Is IFSC IDIB000G125 the same for all accounts at Garkhal branch?
Yes. The IFSC IDIB000G125 is shared by every account held at Indian Bank's Garkhal branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000G125 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000G125 to send funds instantly.
Does Indian Bank Garkhal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1792-272233 to confirm.
How quickly will an NEFT transfer using IDIB000G125 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Garkhal reflect within 30 minutes.
Final notes
To recap: IDIB000G125 is the IFSC code of Indian Bank, GARKHAL branch, in GARKHAL, HIMACHAL PRADESH. 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.
