IFSC Code of Indian Bank, Kalal Kheriya Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indian Bank's KALAL KHERIYA branch in KALAL KHERIYA, UTTAR PRADESH. The branch's IFSC code IDIB000K531 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Indian Bank – KALAL KHERIYA is IDIB000K531. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K531 map to this branch in KALAL KHERIYA, UTTAR PRADESH.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalal Kheriya branch — IFSC IDIB000K531 — extends the bank's services to customers in and around Kalal Kheriya, Uttar Pradesh.

About this branch

The branch is located at VILLAGE KALAL KHERIYA FATEHABAD ROAD KALAL KHERIYA KALAL KHERIYA PIN 282006. It serves the Kalal Kheriya 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 IDIB000K531 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KALAL KHERIYA branch came to be assigned the code IDIB000K531.

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 IDIB000K531, money simply cannot be routed to the KALAL KHERIYA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kalal Kheriya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K531 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IDIB000K531

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 IDIB000K531 across all three.

NEFT to Indian Bank, KALAL KHERIYA using IFSC IDIB000K531

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 IDIB000K531, and confirm that the system picks up Indian Bank – KALAL KHERIYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALAL KHERIYA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KALAL KHERIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K531 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank KALAL KHERIYA (IFSC IDIB000K531)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K531 in your mobile or internet banking app, and the money is credited to the KALAL KHERIYA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000K531 for Indian Bank – KALAL KHERIYA, 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.

For most retail customers crediting the Kalal Kheriya 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.

UPI payments and IFSC IDIB000K531

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 – KALAL KHERIYA is still mapped to IFSC IDIB000K531. 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 IDIB000K531 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kalal Kheriya branch is mapped to IFSC IDIB000K531 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 IDIB000K531.

Products and services

Customers walking into the Kalal Kheriya 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 IDIB000K531

Online banking and IFSC IDIB000K531

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KALAL KHERIYA 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 IDIB000K531 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 Kalal Kheriya branch

The branch is located at VILLAGE KALAL KHERIYA FATEHABAD ROAD KALAL KHERIYA KALAL KHERIYA PIN 282006, which puts it inside Kalal Kheriya, the broader Agra district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Kalal Kheriya branch” — the verified location pin for IFSC IDIB000K531 should appear at the top of the results.
2. Confirm the branch is open by calling 562-2860001 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 IDIB000K531 and your account number.

Common mistakes to avoid when using IFSC IDIB000K531

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 – KALAL KHERIYA, 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: IDIB000K531.
• 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.

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 Kalal Kheriya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K531, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000K531 for Indian Bank – KALAL KHERIYA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000K531 belongs to Indian Bank's KALAL KHERIYA branch, located at VILLAGE KALAL KHERIYA FATEHABAD ROAD KALAL KHERIYA KALAL KHERIYA PIN 282006 in KALAL KHERIYA, UTTAR PRADESH. 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.