IFSC Code of Indian Bank, Kunda Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indian Bank's KUNDA branch in KUNDA, UTTAR PRADESH. The branch's IFSC code IDIB000K835 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 – KUNDA is IDIB000K835. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K835 map to this branch in KUNDA, UTTAR PRADESH.

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kunda branch in Kunda, Uttar Pradesh is part of this network and uses the IFSC code IDIB000K835 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at AT BHAGBAN TIRAHA LUCKNOW ROAD KUNDA VILL PO KUNDA KUNDA PIN 230204. It serves the Kunda 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 IDIB000K835 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 KUNDA branch came to be assigned the code IDIB000K835.

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 IDIB000K835, money simply cannot be routed to the KUNDA branch electronically.

Products and account variants supported

Every account opened at the Kunda branch is mapped to IFSC IDIB000K835 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 IDIB000K835.

Banking services available

The Kunda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7976118637.

• 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 IDIB000K835

How to transfer money using IFSC IDIB000K835

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 IDIB000K835 across all three.

How to use IFSC IDIB000K835 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KUNDA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IDIB000K835.
4. Confirm the bank name auto-populates as Indian Bank and the branch as KUNDA.
5. 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 KUNDA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KUNDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K835 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank KUNDA (IFSC IDIB000K835)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K835 in your mobile or internet banking app, and the money is credited to the KUNDA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000K835 for Indian Bank – KUNDA, 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.

For most retail customers crediting the Kunda 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 IDIB000K835

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 – KUNDA is still mapped to IFSC IDIB000K835. 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 IDIB000K835 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 Kunda 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 IDIB000K835 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 IDIB000K835 and the account number together uniquely identify the Kunda 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 – KUNDA:

• The IFSC is exactly IDIB000K835 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 KUNDA 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 Kunda branch sits at AT BHAGBAN TIRAHA LUCKNOW ROAD KUNDA VILL PO KUNDA KUNDA PIN 230204. If you are travelling from outside Kunda, search for the branch on a maps application using the bank name and locality, or call 91-7976118637 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 IDIB000K835 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000K835 for Indian Bank – KUNDA, 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 Kunda 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 IDIB000K835 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000K835 is the IFSC code of Indian Bank, KUNDA branch, in KUNDA, 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.