If you are searching for the IFSC code of Indian Bank, KULLU branch in KULLU, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDIB000K205. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KULLU branch, and detailed step-by-step guides for using the IFSC IDIB000K205 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000K205 is the IFSC of Indian Bank's KULLU branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K205 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kullu branch in Kullu, Himachal Pradesh is part of this network and uses the IFSC code IDIB000K205 for all electronic settlement.
Kullu branch overview
Located at AKHARA BAZAR NEAR POST OFFICE KULLU AKHARA BAZAR PIN 175101, the Kullu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000K205 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kullu |
| IFSC Code | IDIB000K205 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AKHARA BAZAR NEAR POST OFFICE KULLU AKHARA BAZAR PIN 175101 |
| City | Kullu |
| District | Kullu |
| State | Himachal Pradesh |
| STD Code | 1902 |
| Phone | 222289 |
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 KULLU of Indian Bank — its own 11-character IFSC. The code IDIB000K205 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 IDIB000K205 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IDIB000K205 and the account number together uniquely identify the Kullu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000K205
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 IDIB000K205 across all three.
How to use IFSC IDIB000K205 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KULLU 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 IDIB000K205.
- Confirm the bank name auto-populates as Indian Bank and the branch as KULLU.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000K205
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 – KULLU, ensure your bank's portal accepts IFSC IDIB000K205 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank KULLU (IFSC IDIB000K205)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K205 in your mobile or internet banking app, and the money is credited to the KULLU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K205 for Indian Bank – KULLU, 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 – IDIB000K205 | Yes – IDIB000K205 | Yes – IDIB000K205 |
For most retail customers crediting the Kullu 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 IDIB000K205
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 – KULLU is still mapped to IFSC IDIB000K205. 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 IDIB000K205 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kullu branch
Once you have an account at Indian Bank – KULLU, the IFSC IDIB000K205 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 Kullu 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 IDIB000K205
Digital banking channels
Most day-to-day work that customers used to do at the Kullu 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 IDIB000K205 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.
How to reach the Kullu branch
The branch is located at AKHARA BAZAR NEAR POST OFFICE KULLU AKHARA BAZAR PIN 175101, which puts it inside Kullu, the broader Kullu district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kullu branch” — the verified location pin for IFSC IDIB000K205 should appear at the top of the results.
- Confirm the branch is open by calling 1902-222289 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 IDIB000K205 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 – KULLU:
- The IFSC is exactly IDIB000K205 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 KULLU 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 Kullu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K205, however, work 24x7.
Verifying IFSC IDIB000K205 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 IDIB000K205 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1902-222289.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKullu Branch
AKHARA BAZAR NEAR POST OFFICE KULLU AKHARA BAZAR PIN 175101
Kullu, Himachal Pradesh
Phone: 1902-222289
IFSC: IDIB000K205
Frequently asked questions
Is IFSC IDIB000K205 the same for all accounts at Kullu branch?
Yes. The IFSC IDIB000K205 is shared by every account held at Indian Bank's Kullu branch. Only the account number changes from customer to customer.
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 Kullu branch but serve different purposes.
What is the phone number of Indian Bank Kullu branch?
You can reach the branch at 1902-222289 during regular banking hours.
Is IFSC IDIB000K205 valid for NEFT and RTGS?
Yes. IFSC IDIB000K205 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IDIB000K205 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K205 to send funds instantly.
How quickly will an NEFT transfer using IDIB000K205 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kullu reflect within 30 minutes.
Does Indian Bank Kullu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1902-222289 to confirm.
How do I add Indian Bank Kullu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K205, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IDIB000K205 is the IFSC code of Indian Bank, KULLU branch, in KULLU, HIMACHAL 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.
