Below are the complete branch details for Indian Bank, J P NAGAR branch, located in JP NAGAR SEVENTH PHASE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000J028. 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 IDIB000J028 for Indian Bank – J P NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 J P NAGAR branch, the IFSC IDIB000J028 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00J028 identifies this particular branch.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The J P Nagar branch — IFSC IDIB000J028 — extends the bank's services to customers in and around Jp Nagar Seventh Phase, Karnataka.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | J P Nagar |
| IFSC Code | IDIB000J028 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO10 2ND CROSS NRUPATHUNGA NAGARKOTHANUR MAIN RD JP NAGAR 7TH PHASE J P NAGAR PIN 560078 |
| City | Jp Nagar Seventh Phase |
| District | Bangalore |
| State | Karnataka |
| STD Code | 80 |
| Phone | 22958823 |
About the J P Nagar branch
The J P Nagar branch of Indian Bank is situated at NO10 2ND CROSS NRUPATHUNGA NAGARKOTHANUR MAIN RD JP NAGAR 7TH PHASE J P NAGAR PIN 560078. 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 IDIB000J028 is used.
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 J P NAGAR of Indian Bank — its own 11-character IFSC. The code IDIB000J028 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 IDIB000J028 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the J P Nagar branch is mapped to IFSC IDIB000J028 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 IDIB000J028.
Products and services
Customers walking into the J P Nagar 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 IDIB000J028
How to transfer money using IFSC IDIB000J028
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 IDIB000J028 across all three.
How to use IFSC IDIB000J028 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's J P NAGAR 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 IDIB000J028.
- Confirm the bank name auto-populates as Indian Bank and the branch as J P NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000J028
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 – J P NAGAR, ensure your bank's portal accepts IFSC IDIB000J028 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank J P NAGAR (IFSC IDIB000J028)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000J028 in your mobile or internet banking app, and the money is credited to the J P NAGAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to J P Nagar
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 IDIB000J028:
- 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 J P NAGAR is still linked to IFSC IDIB000J028.
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 IDIB000J028
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 – J P NAGAR is still mapped to IFSC IDIB000J028. 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 IDIB000J028 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the J P Nagar 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 IDIB000J028 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.
MICR & cheque-truncation details
Cheques drawn on the J P Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000J028 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – J P NAGAR:
- The IFSC is exactly IDIB000J028 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 J P NAGAR 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 J P Nagar branch
The branch is located at NO10 2ND CROSS NRUPATHUNGA NAGARKOTHANUR MAIN RD JP NAGAR 7TH PHASE J P NAGAR PIN 560078, which puts it inside Jp Nagar Seventh Phase, the broader Bangalore district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank J P Nagar branch” — the verified location pin for IFSC IDIB000J028 should appear at the top of the results.
- Confirm the branch is open by calling 80-22958823 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 IDIB000J028 and your account number.
Verifying IFSC IDIB000J028 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 IDIB000J028 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-22958823.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at J P Nagar 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 IDIB000J028 continue to work without interruption.
Branch address & contact
Indian BankJ P Nagar Branch
NO10 2ND CROSS NRUPATHUNGA NAGARKOTHANUR MAIN RD JP NAGAR 7TH PHASE J P NAGAR PIN 560078
Jp Nagar Seventh Phase, Karnataka
Phone: 80-22958823
IFSC: IDIB000J028
Frequently asked questions
What is the phone number of Indian Bank J P Nagar branch?
You can reach the branch at 80-22958823 during regular banking hours.
Where is Indian Bank J P Nagar branch located?
Indian Bank's J P Nagar branch is located at NO10 2ND CROSS NRUPATHUNGA NAGARKOTHANUR MAIN RD JP NAGAR 7TH PHASE J P NAGAR PIN 560078, Jp Nagar Seventh Phase, Karnataka.
Is IFSC IDIB000J028 valid for NEFT and RTGS?
Yes. IFSC IDIB000J028 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Bank J P Nagar branch?
The IFSC code of Indian Bank, J P Nagar branch is IDIB000J028. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Bank J P Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000J028, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000J028 the same for all accounts at J P Nagar branch?
Yes. The IFSC IDIB000J028 is shared by every account held at Indian Bank's J P Nagar branch. Only the account number changes from customer to customer.
Final notes
To recap: IDIB000J028 is the IFSC code of Indian Bank, J P NAGAR branch, in JP NAGAR SEVENTH PHASE, KARNATAKA. 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.
