IFSC Code of Indian Bank, Beheramal Chowk Jharsuguda Branch, Odisha

Use this page as a one-stop reference for everything related to Indian Bank's BEHERAMAL CHOWK JHARSUGUDA branch in JHARSUGUDA, ODISHA. The branch's IFSC code IDIB000J603 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, IDIB000J603 is the IFSC of Indian Bank's BEHERAMAL CHOWK JHARSUGUDA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00J603 = branch identifier.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Beheramal Chowk Jharsuguda branch in Jharsuguda. 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, IDIB000J603.

Beheramal Chowk Jharsuguda branch overview

Located at HOTA COMPLEX BEHERAMAL CHOWK BYPASS ROAD JHARSUGUDA JHARSUGUDA JHARUGUDA PIN 768201, the Beheramal Chowk Jharsuguda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000J603 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 BEHERAMAL CHOWK JHARSUGUDA of Indian Bank — its own 11-character IFSC. The code IDIB000J603 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 IDIB000J603 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IDIB000J603 and the account number together uniquely identify the Beheramal Chowk Jharsuguda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDIB000J603

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 IDIB000J603 across all three.

How to use IFSC IDIB000J603 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's BEHERAMAL CHOWK JHARSUGUDA 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 IDIB000J603.
4. Confirm the bank name auto-populates as Indian Bank and the branch as BEHERAMAL CHOWK JHARSUGUDA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IDIB000J603

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 – BEHERAMAL CHOWK JHARSUGUDA, ensure your bank's portal accepts IFSC IDIB000J603 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Bank – BEHERAMAL CHOWK JHARSUGUDA, use IMPS. With IFSC IDIB000J603 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 Beheramal Chowk Jharsuguda

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 IDIB000J603:

• 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 BEHERAMAL CHOWK JHARSUGUDA is still linked to IFSC IDIB000J603.

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 BEHERAMAL CHOWK JHARSUGUDA branch, the IFSC IDIB000J603 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.

Account types you can open at the Beheramal Chowk Jharsuguda branch

Once you have an account at Indian Bank – BEHERAMAL CHOWK JHARSUGUDA, the IFSC IDIB000J603 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 Beheramal Chowk Jharsuguda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8349616900.

• 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 IDIB000J603

Online banking and IFSC IDIB000J603

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the BEHERAMAL CHOWK JHARSUGUDA 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 IDIB000J603 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.

How to reach the Beheramal Chowk Jharsuguda branch

The branch is located at HOTA COMPLEX BEHERAMAL CHOWK BYPASS ROAD JHARSUGUDA JHARSUGUDA JHARUGUDA PIN 768201, which puts it inside Jharsuguda, the broader Jharsuguda district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Beheramal Chowk Jharsuguda branch” — the verified location pin for IFSC IDIB000J603 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8349616900 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 IDIB000J603 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 – BEHERAMAL CHOWK JHARSUGUDA:

• The IFSC is exactly IDIB000J603 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 BEHERAMAL CHOWK JHARSUGUDA 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 Beheramal Chowk Jharsuguda 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 IDIB000J603 continue to work without interruption.

Verifying IFSC IDIB000J603 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 IDIB000J603 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8349616900.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000J603 belongs to Indian Bank's BEHERAMAL CHOWK JHARSUGUDA branch, located at HOTA COMPLEX BEHERAMAL CHOWK BYPASS ROAD JHARSUGUDA JHARSUGUDA JHARUGUDA PIN… in JHARSUGUDA, ODISHA. 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.