Use this page as a one-stop reference for everything related to Indian Bank's HOWRAH N.S. ROAD branch in HOWRAH, WEST BENGAL. The branch's IFSC code IDIB000H589 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, IDIB000H589 is the IFSC of Indian Bank's HOWRAH N.S. ROAD branch. The format is fixed: IDIB = bank code, 0 = reserved, 00H589 = branch identifier.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Howrah N.S. Road branch — IFSC IDIB000H589 — extends the bank's services to customers in and around Howrah, West Bengal.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Howrah N.S. Road |
| IFSC Code | IDIB000H589 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1718 NETAJI SUBHAS ROAD HOWRAH HOWRAH PIN 711101 |
| City | Howrah |
| District | Howrah |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9843345974 |
About this branch
The branch is located at 1718 NETAJI SUBHAS ROAD HOWRAH HOWRAH PIN 711101. It serves the Howrah region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000H589 is used to identify this branch on the RBI payments network.
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 HOWRAH N.S. ROAD branch came to be assigned the code IDIB000H589.
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 IDIB000H589, money simply cannot be routed to the HOWRAH N.S. ROAD branch electronically.
Products and account variants supported
Every account opened at the Howrah N.S. Road branch is mapped to IFSC IDIB000H589 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 IDIB000H589.
Banking services available
The Howrah N.S. Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9843345974.
- 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 IDIB000H589
How to transfer money using IFSC IDIB000H589
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 IDIB000H589 across all three.
How to use IFSC IDIB000H589 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's HOWRAH N.S. ROAD 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 IDIB000H589.
- Confirm the bank name auto-populates as Indian Bank and the branch as HOWRAH N.S. ROAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000H589
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 – HOWRAH N.S. ROAD, ensure your bank's portal accepts IFSC IDIB000H589 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank HOWRAH N.S. ROAD (IFSC IDIB000H589)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000H589 in your mobile or internet banking app, and the money is credited to the HOWRAH N.S. ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000H589 for Indian Bank – HOWRAH N.S. ROAD, 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 – IDIB000H589 | Yes – IDIB000H589 | Yes – IDIB000H589 |
For most retail customers crediting the Howrah N.S. Road 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 HOWRAH N.S. ROAD branch, the IFSC IDIB000H589 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 IDIB000H589
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the HOWRAH N.S. ROAD 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 IDIB000H589 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 Howrah N.S. Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000H589 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 IDIB000H589
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 – HOWRAH N.S. ROAD, 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:
IDIB000H589. - 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.
Reaching the branch
The Howrah N.S. Road branch sits at 1718 NETAJI SUBHAS ROAD HOWRAH HOWRAH PIN 711101. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 91-9843345974 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 IDIB000H589 and your account number.
Verifying IFSC IDIB000H589 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 IDIB000H589 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9843345974.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Howrah N.S. Road 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 IDIB000H589 continue to work without interruption.
Branch address & contact
Indian BankHowrah N.S. Road Branch
1718 NETAJI SUBHAS ROAD HOWRAH HOWRAH PIN 711101
Howrah, West Bengal
Phone: 91-9843345974
IFSC: IDIB000H589
Frequently asked questions
Is IFSC IDIB000H589 the same for all accounts at Howrah N.S. Road branch?
Yes. The IFSC IDIB000H589 is shared by every account held at Indian Bank's Howrah N.S. Road branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000H589 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000H589 to send funds instantly.
What is the phone number of Indian Bank Howrah N.S. Road branch?
You can reach the branch at 91-9843345974 during regular banking hours.
Is IFSC IDIB000H589 valid for NEFT and RTGS?
Yes. IFSC IDIB000H589 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IDIB000H589 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Howrah N.S. Road reflect within 30 minutes.
Does Indian Bank Howrah N.S. Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9843345974 to confirm.
Final notes
To recap: IDIB000H589 is the IFSC code of Indian Bank, HOWRAH N.S. ROAD branch, in HOWRAH, WEST BENGAL. 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.
