Use this page as a one-stop reference for everything related to Indian Bank's KHAIRPUR branch in KHAIRPUR, UTTAR PRADESH. The branch's IFSC code IDIB000K664 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 – KHAIRPUR is IDIB000K664. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K664 map to this branch in KHAIRPUR, UTTAR PRADESH.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khairpur branch in Khairpur, Uttar Pradesh is part of this network and uses the IFSC code IDIB000K664 for all electronic settlement.
About the Khairpur branch
The Khairpur branch of Indian Bank is situated at SIRSIYA THAKURAI VILL PO KHAIRPUR KHAIRPUR KHAIRPUR PIN 231216. 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 IDIB000K664 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Khairpur |
| IFSC Code | IDIB000K664 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SIRSIYA THAKURAI VILL PO KHAIRPUR KHAIRPUR KHAIRPUR PIN 231216 |
| City | Khairpur |
| District | Sonbhadra |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8454965431 |
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 KHAIRPUR branch came to be assigned the code IDIB000K664.
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 IDIB000K664, money simply cannot be routed to the KHAIRPUR branch electronically.
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 IDIB000K664 and the account number together uniquely identify the Khairpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000K664
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 IDIB000K664 across all three.
How to use IFSC IDIB000K664 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KHAIRPUR 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 IDIB000K664.
- Confirm the bank name auto-populates as Indian Bank and the branch as KHAIRPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000K664
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 – KHAIRPUR, ensure your bank's portal accepts IFSC IDIB000K664 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – KHAIRPUR, use IMPS. With IFSC IDIB000K664 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 Khairpur
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 IDIB000K664:
- 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 KHAIRPUR is still linked to IFSC IDIB000K664.
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 KHAIRPUR branch, the IFSC IDIB000K664 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 Khairpur branch
Once you have an account at Indian Bank – KHAIRPUR, the IFSC IDIB000K664 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 Khairpur 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 IDIB000K664
Online banking and IFSC IDIB000K664
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KHAIRPUR 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 IDIB000K664 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 Khairpur branch
The branch is located at SIRSIYA THAKURAI VILL PO KHAIRPUR KHAIRPUR KHAIRPUR PIN 231216, which puts it inside Khairpur, the broader Sonbhadra district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Khairpur branch” — the verified location pin for IFSC IDIB000K664 should appear at the top of the results.
- Confirm the branch is open by calling 91-8454965431 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 IDIB000K664 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 – KHAIRPUR:
- The IFSC is exactly IDIB000K664 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 KHAIRPUR 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 Khairpur 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 IDIB000K664 continue to work without interruption.
Verifying IFSC IDIB000K664 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 IDIB000K664 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8454965431.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKhairpur Branch
SIRSIYA THAKURAI VILL PO KHAIRPUR KHAIRPUR KHAIRPUR PIN 231216
Khairpur, Uttar Pradesh
Phone: 91-8454965431
IFSC: IDIB000K664
Frequently asked questions
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 Khairpur branch but serve different purposes.
Is IFSC IDIB000K664 valid for NEFT and RTGS?
Yes. IFSC IDIB000K664 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IDIB000K664 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K664 to send funds instantly.
What is the IFSC code of Indian Bank Khairpur branch?
The IFSC code of Indian Bank, Khairpur branch is IDIB000K664. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Bank Khairpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K664, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000K664 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Khairpur reflect within 30 minutes.
Where is Indian Bank Khairpur branch located?
Indian Bank's Khairpur branch is located at SIRSIYA THAKURAI VILL PO KHAIRPUR KHAIRPUR KHAIRPUR PIN 231216, Khairpur, Uttar Pradesh.
Summary
The IFSC code IDIB000K664 belongs to Indian Bank's KHAIRPUR branch, located at SIRSIYA THAKURAI VILL PO KHAIRPUR KHAIRPUR KHAIRPUR PIN 231216 in KHAIRPUR, 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.
