Use this page as a one-stop reference for everything related to Indian Bank's KAKROLA branch in KAKROLA, DELHI. The branch's IFSC code IDIB000K528 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, IDIB000K528 is the IFSC of Indian Bank's KAKROLA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K528 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kakrola |
| IFSC Code | IDIB000K528 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO120 KAKROLA HOUSING COLONY KAKROLA KAKROLA KAKROLA PIN 110078 |
| City | Kakrola |
| District | North West Delhi |
| State | Delhi |
| STD Code | 91 |
| Phone | 9968253372 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kakrola branch in Kakrola, Delhi is part of this network and uses the IFSC code IDIB000K528 for all electronic settlement.
About the Kakrola branch
The Kakrola branch of Indian Bank is situated at HOUSE NO120 KAKROLA HOUSING COLONY KAKROLA KAKROLA KAKROLA PIN 110078. 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 IDIB000K528 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 KAKROLA of Indian Bank — its own 11-character IFSC. The code IDIB000K528 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 IDIB000K528 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 IDIB000K528
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 IDIB000K528 across all three.
NEFT to Indian Bank, KAKROLA using IFSC IDIB000K528
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IDIB000K528, and confirm that the system picks up Indian Bank – KAKROLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000K528
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 – KAKROLA, ensure your bank's portal accepts IFSC IDIB000K528 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – KAKROLA, use IMPS. With IFSC IDIB000K528 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 Kakrola
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 IDIB000K528:
- 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 KAKROLA is still linked to IFSC IDIB000K528.
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 IDIB000K528
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 – KAKROLA is still mapped to IFSC IDIB000K528. 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 IDIB000K528 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kakrola branch is mapped to IFSC IDIB000K528 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 IDIB000K528.
Products and services
Customers walking into the Kakrola 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 IDIB000K528
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 IDIB000K528 and the account number together uniquely identify the Kakrola 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 Kakrola 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 IDIB000K528 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 – KAKROLA:
- The IFSC is exactly IDIB000K528 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 KAKROLA 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.
Reaching the branch
The Kakrola branch sits at HOUSE NO120 KAKROLA HOUSING COLONY KAKROLA KAKROLA KAKROLA PIN 110078. If you are travelling from outside Kakrola, search for the branch on a maps application using the bank name and locality, or call 91-9968253372 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 IDIB000K528 and your account number.
Verifying IFSC IDIB000K528 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 IDIB000K528 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9968253372.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kakrola 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 IDIB000K528 continue to work without interruption.
Branch address & contact
Indian BankKakrola Branch
HOUSE NO120 KAKROLA HOUSING COLONY KAKROLA KAKROLA KAKROLA PIN 110078
Kakrola, Delhi
Phone: 91-9968253372
IFSC: IDIB000K528
Frequently asked questions
Can I use IFSC IDIB000K528 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K528 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kakrola branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000K528 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kakrola reflect within 30 minutes.
What is the phone number of Indian Bank Kakrola branch?
You can reach the branch at 91-9968253372 during regular banking hours.
Where is Indian Bank Kakrola branch located?
Indian Bank's Kakrola branch is located at HOUSE NO120 KAKROLA HOUSING COLONY KAKROLA KAKROLA KAKROLA PIN 110078, Kakrola, Delhi.
Is IFSC IDIB000K528 valid for NEFT and RTGS?
Yes. IFSC IDIB000K528 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Bank Kakrola branch?
The IFSC code of Indian Bank, Kakrola branch is IDIB000K528. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000K528 the same for all accounts at Kakrola branch?
Yes. The IFSC IDIB000K528 is shared by every account held at Indian Bank's Kakrola branch. Only the account number changes from customer to customer.
Final notes
To recap: IDIB000K528 is the IFSC code of Indian Bank, KAKROLA branch, in KAKROLA, DELHI. 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.
