IFSC Code of Indian Bank, Guwahati Lakhtokia Branch, Assam

Use this page as a one-stop reference for everything related to Indian Bank's GUWAHATI LAKHTOKIA branch in GUWAHATI, ASSAM. The branch's IFSC code IDIB000L518 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.

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 GUWAHATI LAKHTOKIA branch, the IFSC IDIB000L518 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00L518 identifies this particular branch.

Branch details at a glance

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Guwahati Lakhtokia branch — IFSC IDIB000L518 — extends the bank's services to customers in and around Guwahati, Assam.

Guwahati Lakhtokia branch overview

Located at FANCY BAZAR S S ROAD LAKHTOKIA GUWAHATI FANCY BAZAR PIN 781001, the Guwahati Lakhtokia branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000L518 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 GUWAHATI LAKHTOKIA of Indian Bank — its own 11-character IFSC. The code IDIB000L518 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 IDIB000L518 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 IDIB000L518

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 IDIB000L518 across all three.

How to use IFSC IDIB000L518 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's GUWAHATI LAKHTOKIA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IDIB000L518.
4. Confirm the bank name auto-populates as Indian Bank and the branch as GUWAHATI LAKHTOKIA.
5. 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 GUWAHATI LAKHTOKIA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's GUWAHATI LAKHTOKIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000L518 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank GUWAHATI LAKHTOKIA (IFSC IDIB000L518)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000L518 in your mobile or internet banking app, and the money is credited to the GUWAHATI LAKHTOKIA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000L518 for Indian Bank – GUWAHATI LAKHTOKIA, 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.

For most retail customers crediting the Guwahati Lakhtokia 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 GUWAHATI LAKHTOKIA branch, the IFSC IDIB000L518 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 Guwahati Lakhtokia branch is mapped to IFSC IDIB000L518 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 IDIB000L518.

Banking services available

The Guwahati Lakhtokia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8400534131.

• 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 IDIB000L518

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 IDIB000L518 and the account number together uniquely identify the Guwahati Lakhtokia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Guwahati Lakhtokia 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 IDIB000L518 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.

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 – GUWAHATI LAKHTOKIA:

• The IFSC is exactly IDIB000L518 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 GUWAHATI LAKHTOKIA 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.

How to reach the Guwahati Lakhtokia branch

The branch is located at FANCY BAZAR S S ROAD LAKHTOKIA GUWAHATI FANCY BAZAR PIN 781001, which puts it inside Guwahati, the broader Kamrup Metropolitan district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Guwahati Lakhtokia branch” — the verified location pin for IFSC IDIB000L518 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8400534131 before stepping out, especially around public holidays.
3. 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 IDIB000L518 and your account number.

Verifying IFSC IDIB000L518 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 IDIB000L518 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8400534131.
• 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 Guwahati Lakhtokia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000L518, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000L518 belongs to Indian Bank's GUWAHATI LAKHTOKIA branch, located at FANCY BAZAR S S ROAD LAKHTOKIA GUWAHATI FANCY BAZAR PIN 781001 in GUWAHATI, ASSAM. 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.