Use this page as a one-stop reference for everything related to Indian Bank's BAGHAJATIN FORMERLY EM BY PASS branch in KOLKATA, WEST BENGAL. The branch's IFSC code IDIB000E042 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 – BAGHAJATIN FORMERLY EM BY PASS is IDIB000E042. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00E042 map to this branch in KOLKATA, WEST BENGAL.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Baghajatin Formerly Em By Pass branch — IFSC IDIB000E042 — extends the bank's services to customers in and around Kolkata, West Bengal.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Baghajatin Formerly Em By Pass |
| IFSC Code | IDIB000E042 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 38 BAGHA JATIN STATION ROAD BAGHA JATIN PIN 700086 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 24253271 |
About this branch
The branch is located at 38 BAGHA JATIN STATION ROAD BAGHA JATIN PIN 700086. It serves the Kolkata 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 IDIB000E042 is used to identify this branch on the RBI payments network.
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 BAGHAJATIN FORMERLY EM BY PASS branch came to be assigned the code IDIB000E042.
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 IDIB000E042, money simply cannot be routed to the BAGHAJATIN FORMERLY EM BY PASS branch electronically.
Account types you can open at the Baghajatin Formerly Em By Pass branch
Once you have an account at Indian Bank – BAGHAJATIN FORMERLY EM BY PASS, the IFSC IDIB000E042 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 Baghajatin Formerly Em By Pass branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-24253271.
- 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 IDIB000E042
How to transfer money using IFSC IDIB000E042
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 IDIB000E042 across all three.
NEFT to Indian Bank, BAGHAJATIN FORMERLY EM BY PASS using IFSC IDIB000E042
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 IDIB000E042, and confirm that the system picks up Indian Bank – BAGHAJATIN FORMERLY EM BY PASS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000E042
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 – BAGHAJATIN FORMERLY EM BY PASS, ensure your bank's portal accepts IFSC IDIB000E042 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank BAGHAJATIN FORMERLY EM BY PASS (IFSC IDIB000E042)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000E042 in your mobile or internet banking app, and the money is credited to the BAGHAJATIN FORMERLY EM BY PASS branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000E042 for Indian Bank – BAGHAJATIN FORMERLY EM BY PASS, 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 – IDIB000E042 | Yes – IDIB000E042 | Yes – IDIB000E042 |
For most retail customers crediting the Baghajatin Formerly Em By Pass 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 BAGHAJATIN FORMERLY EM BY PASS branch, the IFSC IDIB000E042 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.
Online banking and IFSC IDIB000E042
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the BAGHAJATIN FORMERLY EM BY PASS 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 IDIB000E042 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.
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 IDIB000E042 and the account number together uniquely identify the Baghajatin Formerly Em By Pass 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 – BAGHAJATIN FORMERLY EM BY PASS:
- The IFSC is exactly IDIB000E042 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 BAGHAJATIN FORMERLY EM BY PASS 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 Baghajatin Formerly Em By Pass branch sits at 38 BAGHA JATIN STATION ROAD BAGHA JATIN PIN 700086. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-24253271 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 IDIB000E042 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000E042 for Indian Bank – BAGHAJATIN FORMERLY EM BY PASS, 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 Baghajatin Formerly Em By Pass 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 IDIB000E042 continue to work without interruption.
Branch address & contact
Indian BankBaghajatin Formerly Em By Pass Branch
38 BAGHA JATIN STATION ROAD BAGHA JATIN PIN 700086
Kolkata, West Bengal
Phone: 33-24253271
IFSC: IDIB000E042
Frequently asked questions
What is the IFSC code of Indian Bank Baghajatin Formerly Em By Pass branch?
The IFSC code of Indian Bank, Baghajatin Formerly Em By Pass branch is IDIB000E042. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IDIB000E042 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Baghajatin Formerly Em By Pass reflect within 30 minutes.
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 Baghajatin Formerly Em By Pass branch but serve different purposes.
Is IFSC IDIB000E042 the same for all accounts at Baghajatin Formerly Em By Pass branch?
Yes. The IFSC IDIB000E042 is shared by every account held at Indian Bank's Baghajatin Formerly Em By Pass branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Baghajatin Formerly Em By Pass branch?
You can reach the branch at 33-24253271 during regular banking hours.
Where is Indian Bank Baghajatin Formerly Em By Pass branch located?
Indian Bank's Baghajatin Formerly Em By Pass branch is located at 38 BAGHA JATIN STATION ROAD BAGHA JATIN PIN 700086, Kolkata, West Bengal.
Summary
The IFSC code IDIB000E042 belongs to Indian Bank's BAGHAJATIN FORMERLY EM BY PASS branch, located at 38 BAGHA JATIN STATION ROAD BAGHA JATIN PIN 700086 in KOLKATA, WEST BENGAL. 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.
