Below are the complete branch details for Indian Bank, SPECIALISED MSME GURGAON branch, located in GURGAON, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000M445. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000M445 for Indian Bank – SPECIALISED MSME GURGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IDIB000M445 is the IFSC of Indian Bank's SPECIALISED MSME GURGAON branch. The format is fixed: IDIB = bank code, 0 = reserved, 00M445 = 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 Specialised Msme Gurgaon branch in Gurgaon, Haryana is part of this network and uses the IFSC code IDIB000M445 for all electronic settlement.
About the Specialised Msme Gurgaon branch
The Specialised Msme Gurgaon branch of Indian Bank is situated at B-35 CYBER HOUSE CYBER MEDIA INDIA LTD SECTOR 32 GURGAON 122003. 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 IDIB000M445 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Specialised Msme Gurgaon |
| IFSC Code | IDIB000M445 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B-35 CYBER HOUSE CYBER MEDIA INDIA LTD SECTOR 32 GURGAON 122003 |
| City | Gurgaon |
| District | Gurgaon |
| State | Haryana |
| STD Code | 0 |
| Phone | 0 |
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 SPECIALISED MSME GURGAON branch came to be assigned the code IDIB000M445.
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 IDIB000M445, money simply cannot be routed to the SPECIALISED MSME GURGAON branch electronically.
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 IDIB000M445 and the account number together uniquely identify the Specialised Msme Gurgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000M445
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 IDIB000M445 across all three.
How to use IFSC IDIB000M445 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's SPECIALISED MSME GURGAON 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 IDIB000M445.
- Confirm the bank name auto-populates as Indian Bank and the branch as SPECIALISED MSME GURGAON.
- 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 SPECIALISED MSME GURGAON
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's SPECIALISED MSME GURGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M445 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank SPECIALISED MSME GURGAON (IFSC IDIB000M445)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M445 in your mobile or internet banking app, and the money is credited to the SPECIALISED MSME GURGAON branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Specialised Msme Gurgaon
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 IDIB000M445:
- 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 SPECIALISED MSME GURGAON is still linked to IFSC IDIB000M445.
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.
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 SPECIALISED MSME GURGAON branch, the IFSC IDIB000M445 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.
Products and account variants supported
Every account opened at the Specialised Msme Gurgaon branch is mapped to IFSC IDIB000M445 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 IDIB000M445.
Banking services available
The Specialised Msme Gurgaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 IDIB000M445
Online banking and IFSC IDIB000M445
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the SPECIALISED MSME GURGAON 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 IDIB000M445 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 Specialised Msme Gurgaon branch sits at B-35 CYBER HOUSE CYBER MEDIA INDIA LTD SECTOR 32 GURGAON 122003. If you are travelling from outside Gurgaon, search for the branch on a maps application using the bank name and locality, or call 0 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 IDIB000M445 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 – SPECIALISED MSME GURGAON:
- The IFSC is exactly IDIB000M445 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 SPECIALISED MSME GURGAON 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.
Working hours
Branch counters at Specialised Msme Gurgaon 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 IDIB000M445 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000M445 for Indian Bank – SPECIALISED MSME GURGAON, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Indian BankSpecialised Msme Gurgaon Branch
B-35 CYBER HOUSE CYBER MEDIA INDIA LTD SECTOR 32 GURGAON 122003
Gurgaon, Haryana
Phone: 0
IFSC: IDIB000M445
Frequently asked questions
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 Specialised Msme Gurgaon branch but serve different purposes.
Where is Indian Bank Specialised Msme Gurgaon branch located?
Indian Bank's Specialised Msme Gurgaon branch is located at B-35 CYBER HOUSE CYBER MEDIA INDIA LTD SECTOR 32 GURGAON 122003, Gurgaon, Haryana.
Is IFSC IDIB000M445 valid for NEFT and RTGS?
Yes. IFSC IDIB000M445 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IDIB000M445 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Specialised Msme Gurgaon reflect within 30 minutes.
What is the phone number of Indian Bank Specialised Msme Gurgaon branch?
You can reach the branch at 0 during regular banking hours.
Can I use IFSC IDIB000M445 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M445 to send funds instantly.
Is IFSC IDIB000M445 the same for all accounts at Specialised Msme Gurgaon branch?
Yes. The IFSC IDIB000M445 is shared by every account held at Indian Bank's Specialised Msme Gurgaon branch. Only the account number changes from customer to customer.
How do I add Indian Bank Specialised Msme Gurgaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000M445, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000M445 belongs to Indian Bank's SPECIALISED MSME GURGAON branch, located at B-35 CYBER HOUSE CYBER MEDIA INDIA LTD SECTOR 32 GURGAON 122003 in GURGAON, HARYANA. 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.
