Below are the complete branch details for Indian Bank, KHARELA branch, located in KHARELA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000K690. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000K690 for Indian Bank – KHARELA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KHARELA branch, the IFSC IDIB000K690 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K690 identifies this particular branch.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharela branch — IFSC IDIB000K690 — extends the bank's services to customers in and around Kharela, Uttar Pradesh.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kharela |
| IFSC Code | IDIB000K690 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MANGALI BAZAR VILL KHARELA KHARELA KHARELA PIN 210425 |
| City | Kharela |
| District | Mahoba |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9559973486 |
About the Kharela branch
The Kharela branch of Indian Bank is situated at MANGALI BAZAR VILL KHARELA KHARELA KHARELA PIN 210425. 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 IDIB000K690 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 KHARELA branch came to be assigned the code IDIB000K690.
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 IDIB000K690, money simply cannot be routed to the KHARELA branch electronically.
Products and account variants supported
Every account opened at the Kharela branch is mapped to IFSC IDIB000K690 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 IDIB000K690.
Products and services
Customers walking into the Kharela 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 IDIB000K690
How to transfer money using IFSC IDIB000K690
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 IDIB000K690 across all three.
How to use IFSC IDIB000K690 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KHARELA 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 IDIB000K690.
- Confirm the bank name auto-populates as Indian Bank and the branch as KHARELA.
- 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 KHARELA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KHARELA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K690 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank KHARELA (IFSC IDIB000K690)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K690 in your mobile or internet banking app, and the money is credited to the KHARELA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kharela
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 IDIB000K690:
- 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 KHARELA is still linked to IFSC IDIB000K690.
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 IDIB000K690
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 – KHARELA is still mapped to IFSC IDIB000K690. 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 IDIB000K690 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kharela 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 IDIB000K690 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 IDIB000K690 and the account number together uniquely identify the Kharela branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KHARELA:
- The IFSC is exactly IDIB000K690 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 KHARELA 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 Kharela branch sits at MANGALI BAZAR VILL KHARELA KHARELA KHARELA PIN 210425. If you are travelling from outside Kharela, search for the branch on a maps application using the bank name and locality, or call 91-9559973486 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 IDIB000K690 and your account number.
Verifying IFSC IDIB000K690 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 IDIB000K690 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9559973486.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kharela 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 IDIB000K690 continue to work without interruption.
Branch address & contact
Indian BankKharela Branch
MANGALI BAZAR VILL KHARELA KHARELA KHARELA PIN 210425
Kharela, Uttar Pradesh
Phone: 91-9559973486
IFSC: IDIB000K690
Frequently asked questions
Is IFSC IDIB000K690 the same for all accounts at Kharela branch?
Yes. The IFSC IDIB000K690 is shared by every account held at Indian Bank's Kharela branch. Only the account number changes from customer to customer.
How do I add Indian Bank Kharela as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K690, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Kharela branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9559973486 to confirm.
Can I use IFSC IDIB000K690 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K690 to send funds instantly.
Is IFSC IDIB000K690 valid for NEFT and RTGS?
Yes. IFSC IDIB000K690 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Kharela branch?
You can reach the branch at 91-9559973486 during regular banking hours.
Where is Indian Bank Kharela branch located?
Indian Bank's Kharela branch is located at MANGALI BAZAR VILL KHARELA KHARELA KHARELA PIN 210425, Kharela, Uttar Pradesh.
What is the IFSC code of Indian Bank Kharela branch?
The IFSC code of Indian Bank, Kharela branch is IDIB000K690. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IDIB000K690 is the IFSC code of Indian Bank, KHARELA branch, in KHARELA, UTTAR PRADESH. 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.
