This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, KHANWAN branch in KHANWAN. The 11-digit IFSC IDIB000K682 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the KHANWAN location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 KHANWAN branch, the IFSC IDIB000K682 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K682 identifies this particular branch.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khanwan branch in Khanwan, Bihar is part of this network and uses the IFSC code IDIB000K682 for all electronic settlement.
About this branch
The branch is located at VILL PO KHANWAN PS NARHAT KHANWAN KHANWAN PIN 805122. It serves the Khanwan 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 IDIB000K682 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Khanwan |
| IFSC Code | IDIB000K682 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO KHANWAN PS NARHAT KHANWAN KHANWAN PIN 805122 |
| City | Khanwan |
| District | Nawada |
| State | Bihar |
| STD Code | 91 |
| Phone | 8757461695 |
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 KHANWAN branch came to be assigned the code IDIB000K682.
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 IDIB000K682, money simply cannot be routed to the KHANWAN branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Khanwan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K682 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 IDIB000K682
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 IDIB000K682 across all three.
NEFT to Indian Bank, KHANWAN using IFSC IDIB000K682
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 IDIB000K682, and confirm that the system picks up Indian Bank – KHANWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000K682
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 – KHANWAN, ensure your bank's portal accepts IFSC IDIB000K682 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank KHANWAN (IFSC IDIB000K682)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K682 in your mobile or internet banking app, and the money is credited to the KHANWAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K682 for Indian Bank – KHANWAN, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IDIB000K682 | Yes – IDIB000K682 | Yes – IDIB000K682 |
For most retail customers crediting the Khanwan 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 IDIB000K682
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 – KHANWAN is still mapped to IFSC IDIB000K682. 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 IDIB000K682 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Khanwan branch is mapped to IFSC IDIB000K682 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 IDIB000K682.
Products and services
Customers walking into the Khanwan 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 IDIB000K682
Online banking and IFSC IDIB000K682
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KHANWAN 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 IDIB000K682 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.
Reaching the branch
The Khanwan branch sits at VILL PO KHANWAN PS NARHAT KHANWAN KHANWAN PIN 805122. If you are travelling from outside Khanwan, search for the branch on a maps application using the bank name and locality, or call 91-8757461695 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 IDIB000K682 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 – KHANWAN:
- The IFSC is exactly IDIB000K682 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 KHANWAN 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.
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 Khanwan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K682, however, work 24x7.
Verifying IFSC IDIB000K682 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 IDIB000K682 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8757461695.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKhanwan Branch
VILL PO KHANWAN PS NARHAT KHANWAN KHANWAN PIN 805122
Khanwan, Bihar
Phone: 91-8757461695
IFSC: IDIB000K682
Frequently asked questions
Where is Indian Bank Khanwan branch located?
Indian Bank's Khanwan branch is located at VILL PO KHANWAN PS NARHAT KHANWAN KHANWAN PIN 805122, Khanwan, Bihar.
What is the phone number of Indian Bank Khanwan branch?
You can reach the branch at 91-8757461695 during regular banking hours.
How do I add Indian Bank Khanwan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K682, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Khanwan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8757461695 to confirm.
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 Khanwan branch but serve different purposes.
Can I use IFSC IDIB000K682 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K682 to send funds instantly.
Summary
The IFSC code IDIB000K682 belongs to Indian Bank's KHANWAN branch, located at VILL PO KHANWAN PS NARHAT KHANWAN KHANWAN PIN 805122 in KHANWAN, BIHAR. 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.
