This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, KITHAWA branch in KITHAWA. The 11-digit IFSC IDIB000K247 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 KITHAWA 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 KITHAWA branch, the IFSC IDIB000K247 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K247 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kithawa |
| IFSC Code | IDIB000K247 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL KITHAWA POST DHARAI BLOCK SALON KITHAWA DHARAI PIN 229127 |
| City | Kithawa |
| District | Rae Bareli |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 9919170088 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Kithawa branch in Kithawa. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IDIB000K247.
About the Kithawa branch
The Kithawa branch of Indian Bank is situated at VILL KITHAWA POST DHARAI BLOCK SALON KITHAWA DHARAI PIN 229127. 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 IDIB000K247 is used.
Why every Indian Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KITHAWA of Indian Bank — its own 11-character IFSC. The code IDIB000K247 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDIB000K247 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000K247
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 IDIB000K247 across all three.
How to use IFSC IDIB000K247 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KITHAWA 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 IDIB000K247.
- Confirm the bank name auto-populates as Indian Bank and the branch as KITHAWA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000K247
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 – KITHAWA, ensure your bank's portal accepts IFSC IDIB000K247 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – KITHAWA, use IMPS. With IFSC IDIB000K247 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K247 for Indian Bank – KITHAWA, 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 – IDIB000K247 | Yes – IDIB000K247 | Yes – IDIB000K247 |
For most retail customers crediting the Kithawa 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 IDIB000K247
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 – KITHAWA is still mapped to IFSC IDIB000K247. 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 IDIB000K247 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kithawa branch
Once you have an account at Indian Bank – KITHAWA, the IFSC IDIB000K247 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.
Banking services available
The Kithawa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9919170088.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000K247
MICR & cheque-truncation details
Cheques drawn on the Kithawa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K247 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000K247
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KITHAWA 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 IDIB000K247 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.
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 – KITHAWA:
- The IFSC is exactly IDIB000K247 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 KITHAWA 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.
How to reach the Kithawa branch
The branch is located at VILL KITHAWA POST DHARAI BLOCK SALON KITHAWA DHARAI PIN 229127, which puts it inside Kithawa, the broader Rae Bareli district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kithawa branch” — the verified location pin for IFSC IDIB000K247 should appear at the top of the results.
- Confirm the branch is open by calling 91-9919170088 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 IDIB000K247 and your account number.
Verifying IFSC IDIB000K247 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 IDIB000K247 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9919170088.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kithawa 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 IDIB000K247 continue to work without interruption.
Branch address & contact
Indian BankKithawa Branch
VILL KITHAWA POST DHARAI BLOCK SALON KITHAWA DHARAI PIN 229127
Kithawa, Uttar Pradesh
Phone: 91-9919170088
IFSC: IDIB000K247
Frequently asked questions
Is IFSC IDIB000K247 the same for all accounts at Kithawa branch?
Yes. The IFSC IDIB000K247 is shared by every account held at Indian Bank's Kithawa branch. Only the account number changes from customer to customer.
Where is Indian Bank Kithawa branch located?
Indian Bank's Kithawa branch is located at VILL KITHAWA POST DHARAI BLOCK SALON KITHAWA DHARAI PIN 229127, Kithawa, Uttar Pradesh.
Is IFSC IDIB000K247 valid for NEFT and RTGS?
Yes. IFSC IDIB000K247 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Kithawa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K247, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Kithawa branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000K247 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kithawa reflect within 30 minutes.
Summary
The IFSC code IDIB000K247 belongs to Indian Bank's KITHAWA branch, located at VILL KITHAWA POST DHARAI BLOCK SALON KITHAWA DHARAI PIN 229127 in KITHAWA, 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.
