IFSC Code of Indian Bank, Prayagraj Kareli Hsg Sch. Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indian Bank's PRAYAGRAJ KARELI HSG SCH. branch in KARELI, UTTAR PRADESH. The branch's IFSC code IDIB000A582 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.

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 PRAYAGRAJ KARELI HSG SCH. branch, the IFSC IDIB000A582 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00A582 identifies this particular branch.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Prayagraj Kareli Hsg Sch. branch — IFSC IDIB000A582 — extends the bank's services to customers in and around Kareli, Uttar Pradesh.

Branch details at a glance

About the Prayagraj Kareli Hsg Sch. branch

The Prayagraj Kareli Hsg Sch. branch of Indian Bank is situated at HOUSE NOC 883 KARELI HOUSING SCHEMEGTB NAGAR KARELI PRAYAGRAJ KARELI GTB NAGAR PIN 211016. 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 IDIB000A582 is used.

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 PRAYAGRAJ KARELI HSG SCH. branch came to be assigned the code IDIB000A582.

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 IDIB000A582, money simply cannot be routed to the PRAYAGRAJ KARELI HSG SCH. branch electronically.

Account types you can open at the Prayagraj Kareli Hsg Sch. branch

Once you have an account at Indian Bank – PRAYAGRAJ KARELI HSG SCH., the IFSC IDIB000A582 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.

Products and services

Customers walking into the Prayagraj Kareli Hsg Sch. 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 IDIB000A582

How to transfer money using IFSC IDIB000A582

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 IDIB000A582 across all three.

How to use IFSC IDIB000A582 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's PRAYAGRAJ KARELI HSG SCH. 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 IDIB000A582.
4. Confirm the bank name auto-populates as Indian Bank and the branch as PRAYAGRAJ KARELI HSG SCH..
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PRAYAGRAJ KARELI HSG SCH.

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PRAYAGRAJ KARELI HSG SCH. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A582 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank PRAYAGRAJ KARELI HSG SCH. (IFSC IDIB000A582)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A582 in your mobile or internet banking app, and the money is credited to the PRAYAGRAJ KARELI HSG SCH. branch account within seconds.

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

All three modes accept the IFSC IDIB000A582 for Indian Bank – PRAYAGRAJ KARELI HSG SCH., 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 Prayagraj Kareli Hsg Sch. 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 PRAYAGRAJ KARELI HSG SCH. branch, the IFSC IDIB000A582 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.

Digital banking channels

Most day-to-day work that customers used to do at the Prayagraj Kareli Hsg Sch. 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 IDIB000A582 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 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 IDIB000A582 and the account number together uniquely identify the Prayagraj Kareli Hsg Sch. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IDIB000A582

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 – PRAYAGRAJ KARELI HSG SCH., 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: IDIB000A582.
• 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.

How to reach the Prayagraj Kareli Hsg Sch. branch

The branch is located at HOUSE NOC 883 KARELI HOUSING SCHEMEGTB NAGAR KARELI PRAYAGRAJ KARELI GTB NAGAR PIN 211016, which puts it inside Kareli, the broader Prayagraj district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Prayagraj Kareli Hsg Sch. branch” — the verified location pin for IFSC IDIB000A582 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8527717799 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 IDIB000A582 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000A582 for Indian Bank – PRAYAGRAJ KARELI HSG SCH., 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.

Working hours

Branch counters at Prayagraj Kareli Hsg Sch. 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 IDIB000A582 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000A582 belongs to Indian Bank's PRAYAGRAJ KARELI HSG SCH. branch, located at HOUSE NOC 883 KARELI HOUSING SCHEMEGTB NAGAR KARELI PRAYAGRAJ KARELI GTB… in KARELI, 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.