Use this page as a one-stop reference for everything related to Indian Bank's MUKERIAN branch in HOSHIARPUR, PUNJAB. The branch's IFSC code IDIB000M760 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 MUKERIAN branch, the IFSC IDIB000M760 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00M760 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Mukerian |
| IFSC Code | IDIB000M760 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR BUS STAND GT ROAD MUKERIAN DISTT HOSHIARPUR PIN 144211 |
| City | Hoshiarpur |
| District | Hoshiarpur |
| State | Punjab |
| STD Code | 91 |
| Phone | 8894880823 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Mukerian branch in Hoshiarpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IDIB000M760.
About the Mukerian branch
The Mukerian branch of Indian Bank is situated at NEAR BUS STAND GT ROAD MUKERIAN DISTT HOSHIARPUR PIN 144211. 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 IDIB000M760 is used.
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 MUKERIAN branch came to be assigned the code IDIB000M760.
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 IDIB000M760, money simply cannot be routed to the MUKERIAN branch electronically.
How to transfer money using IFSC IDIB000M760
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 IDIB000M760 across all three.
How to use IFSC IDIB000M760 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's MUKERIAN 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 IDIB000M760.
- Confirm the bank name auto-populates as Indian Bank and the branch as MUKERIAN.
- 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 MUKERIAN
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's MUKERIAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M760 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 – MUKERIAN, use IMPS. With IFSC IDIB000M760 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 Mukerian
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 IDIB000M760:
- 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 MUKERIAN is still linked to IFSC IDIB000M760.
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 IDIB000M760
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 – MUKERIAN is still mapped to IFSC IDIB000M760. 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 IDIB000M760 and the beneficiary's account number to complete the transfer.
Account types you can open at the Mukerian branch
Once you have an account at Indian Bank – MUKERIAN, the IFSC IDIB000M760 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.
Products and services
Customers walking into the Mukerian 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 IDIB000M760
MICR & cheque-truncation details
Cheques drawn on the Mukerian branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000M760 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000M760
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the MUKERIAN 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 IDIB000M760 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 IDIB000M760
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 – MUKERIAN, 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:
IDIB000M760. - 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 Mukerian branch
The branch is located at NEAR BUS STAND GT ROAD MUKERIAN DISTT HOSHIARPUR PIN 144211, which puts it inside Hoshiarpur, the broader Hoshiarpur district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Mukerian branch” — the verified location pin for IFSC IDIB000M760 should appear at the top of the results.
- Confirm the branch is open by calling 91-8894880823 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 IDIB000M760 and your account number.
Verifying IFSC IDIB000M760 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 IDIB000M760 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8894880823.
- 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 Mukerian branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000M760, however, work 24x7.
Branch address & contact
Indian BankMukerian Branch
NEAR BUS STAND GT ROAD MUKERIAN DISTT HOSHIARPUR PIN 144211
Hoshiarpur, Punjab
Phone: 91-8894880823
IFSC: IDIB000M760
Frequently asked questions
Where is Indian Bank Mukerian branch located?
Indian Bank's Mukerian branch is located at NEAR BUS STAND GT ROAD MUKERIAN DISTT HOSHIARPUR PIN 144211, Hoshiarpur, Punjab.
How quickly will an NEFT transfer using IDIB000M760 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Mukerian reflect within 30 minutes.
What is the phone number of Indian Bank Mukerian branch?
You can reach the branch at 91-8894880823 during regular banking hours.
Is IFSC IDIB000M760 valid for NEFT and RTGS?
Yes. IFSC IDIB000M760 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000M760 the same for all accounts at Mukerian branch?
Yes. The IFSC IDIB000M760 is shared by every account held at Indian Bank's Mukerian branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000M760 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M760 to send funds instantly.
Summary
The IFSC code IDIB000M760 belongs to Indian Bank's MUKERIAN branch, located at NEAR BUS STAND GT ROAD MUKERIAN DISTT HOSHIARPUR PIN 144211 in HOSHIARPUR, PUNJAB. 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.
