Below are the complete branch details for Indian Bank, KUSHMORE branch, located in KUSHMORE, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000K850. 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 IDIB000K850 for Indian Bank – KUSHMORE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KUSHMORE is IDIB000K850. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K850 map to this branch in KUSHMORE, WEST BENGAL.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kushmore branch in Kushmore, West Bengal is part of this network and uses the IFSC code IDIB000K850 for all electronic settlement.
Kushmore branch overview
Located at VILL PO KUSHMORE BLOCK PAIKAR DR SHREEKUMAR BANERJEE ROAD KUSHMORE KUSHMORE PIN 731238, the Kushmore branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000K850 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kushmore |
| IFSC Code | IDIB000K850 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO KUSHMORE BLOCK PAIKAR DR SHREEKUMAR BANERJEE ROAD KUSHMORE KUSHMORE PIN 731238 |
| City | Kushmore |
| District | Birbhum |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9932841196 |
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 KUSHMORE branch came to be assigned the code IDIB000K850.
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 IDIB000K850, money simply cannot be routed to the KUSHMORE branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kushmore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K850 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000K850
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 IDIB000K850 across all three.
How to use IFSC IDIB000K850 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KUSHMORE 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 IDIB000K850.
- Confirm the bank name auto-populates as Indian Bank and the branch as KUSHMORE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000K850
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 – KUSHMORE, ensure your bank's portal accepts IFSC IDIB000K850 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – KUSHMORE, use IMPS. With IFSC IDIB000K850 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 IDIB000K850 for Indian Bank – KUSHMORE, 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 – IDIB000K850 | Yes – IDIB000K850 | Yes – IDIB000K850 |
For most retail customers crediting the Kushmore 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 KUSHMORE branch, the IFSC IDIB000K850 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.
Account types you can open at the Kushmore branch
Once you have an account at Indian Bank – KUSHMORE, the IFSC IDIB000K850 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 Kushmore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9932841196.
- 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 IDIB000K850
Online banking and IFSC IDIB000K850
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KUSHMORE 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 IDIB000K850 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.
How to reach the Kushmore branch
The branch is located at VILL PO KUSHMORE BLOCK PAIKAR DR SHREEKUMAR BANERJEE ROAD KUSHMORE KUSHMORE PIN 731238, which puts it inside Kushmore, the broader Birbhum district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kushmore branch” — the verified location pin for IFSC IDIB000K850 should appear at the top of the results.
- Confirm the branch is open by calling 91-9932841196 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 IDIB000K850 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 – KUSHMORE:
- The IFSC is exactly IDIB000K850 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 KUSHMORE 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 Kushmore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K850, however, work 24x7.
Verifying IFSC IDIB000K850 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 IDIB000K850 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9932841196.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKushmore Branch
VILL PO KUSHMORE BLOCK PAIKAR DR SHREEKUMAR BANERJEE ROAD KUSHMORE KUSHMORE PIN 731238
Kushmore, West Bengal
Phone: 91-9932841196
IFSC: IDIB000K850
Frequently asked questions
What is the phone number of Indian Bank Kushmore branch?
You can reach the branch at 91-9932841196 during regular banking hours.
Can I use IFSC IDIB000K850 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K850 to send funds instantly.
What is the IFSC code of Indian Bank Kushmore branch?
The IFSC code of Indian Bank, Kushmore branch is IDIB000K850. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Kushmore branch located?
Indian Bank's Kushmore branch is located at VILL PO KUSHMORE BLOCK PAIKAR DR SHREEKUMAR BANERJEE ROAD KUSHMORE KUSHMORE PIN 731238, Kushmore, West Bengal.
Is IFSC IDIB000K850 valid for NEFT and RTGS?
Yes. IFSC IDIB000K850 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IDIB000K850 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kushmore reflect within 30 minutes.
Summary
The IFSC code IDIB000K850 belongs to Indian Bank's KUSHMORE branch, located at VILL PO KUSHMORE BLOCK PAIKAR DR SHREEKUMAR BANERJEE ROAD KUSHMORE KUSHMORE … in KUSHMORE, 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.
