This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, LONI GHAZIABAD branch in GHAZIABAD. The 11-digit IFSC IDIB000L059 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 LONI GHAZIABAD 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's LONI GHAZIABAD branch, the IFSC IDIB000L059 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00L059 identifies this particular branch.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Loni Ghaziabad branch in Ghaziabad, Uttar Pradesh is part of this network and uses the IFSC code IDIB000L059 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Loni Ghaziabad |
| IFSC Code | IDIB000L059 |
| MICR Code | Refer to cheque leaf |
| Branch Address | A14 INDRA GHAZIABAD |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| Phone | 8447659695 |
About the Loni Ghaziabad branch
The Loni Ghaziabad branch of Indian Bank is situated at A14 INDRA GHAZIABAD. 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 IDIB000L059 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 LONI GHAZIABAD of Indian Bank — its own 11-character IFSC. The code IDIB000L059 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 IDIB000L059 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 Loni Ghaziabad branch
Once you have an account at Indian Bank – LONI GHAZIABAD, the IFSC IDIB000L059 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.
Banking services available
The Loni Ghaziabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8447659695.
- 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 IDIB000L059
How to transfer money using IFSC IDIB000L059
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 IDIB000L059 across all three.
NEFT to Indian Bank, LONI GHAZIABAD using IFSC IDIB000L059
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 IDIB000L059, and confirm that the system picks up Indian Bank – LONI GHAZIABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000L059
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 – LONI GHAZIABAD, ensure your bank's portal accepts IFSC IDIB000L059 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – LONI GHAZIABAD, use IMPS. With IFSC IDIB000L059 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 IDIB000L059 for Indian Bank – LONI GHAZIABAD, 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 – IDIB000L059 | Yes – IDIB000L059 | Yes – IDIB000L059 |
For most retail customers crediting the Loni Ghaziabad 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 LONI GHAZIABAD branch, the IFSC IDIB000L059 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 IDIB000L059
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the LONI GHAZIABAD 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 IDIB000L059 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 & cheque-truncation details
Cheques drawn on the Loni Ghaziabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000L059 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IDIB000L059
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 – LONI GHAZIABAD, 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:
IDIB000L059. - 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 Loni Ghaziabad branch
The branch is located at A14 INDRA GHAZIABAD, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Loni Ghaziabad branch” — the verified location pin for IFSC IDIB000L059 should appear at the top of the results.
- Confirm the branch is open by calling 8447659695 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 IDIB000L059 and your account number.
Verifying IFSC IDIB000L059 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 IDIB000L059 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8447659695.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Loni Ghaziabad 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 IDIB000L059 continue to work without interruption.
Branch address & contact
Indian BankLoni Ghaziabad Branch
A14 INDRA GHAZIABAD
Ghaziabad, Uttar Pradesh
Phone: 8447659695
IFSC: IDIB000L059
Frequently asked questions
Is IFSC IDIB000L059 valid for NEFT and RTGS?
Yes. IFSC IDIB000L059 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Loni Ghaziabad branch?
You can reach the branch at 8447659695 during regular banking hours.
How do I add Indian Bank Loni Ghaziabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000L059, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000L059 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000L059 to send funds instantly.
Where is Indian Bank Loni Ghaziabad branch located?
Indian Bank's Loni Ghaziabad branch is located at A14 INDRA GHAZIABAD, Ghaziabad, Uttar Pradesh.
What is the IFSC code of Indian Bank Loni Ghaziabad branch?
The IFSC code of Indian Bank, Loni Ghaziabad branch is IDIB000L059. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Bank Loni Ghaziabad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8447659695 to confirm.
How quickly will an NEFT transfer using IDIB000L059 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Loni Ghaziabad reflect within 30 minutes.
Summary
The IFSC code IDIB000L059 belongs to Indian Bank's LONI GHAZIABAD branch, located at A14 INDRA GHAZIABAD in GHAZIABAD, 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.
