IFSC Code of Indian Bank, Lake Town Branch, West Bengal

Use this page as a one-stop reference for everything related to Indian Bank's LAKE TOWN branch in LAKE TOWN, WEST BENGAL. The branch's IFSC code IDIB000L513 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.

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 LAKE TOWN branch, the IFSC IDIB000L513 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00L513 identifies this particular branch.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Lake Town branch in Lake Town. 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, IDIB000L513.

Branch details at a glance

About this branch

The branch is located at 910 LAKE TOWN BLOCK A JESSORE ROAD CROSSING LAKE TOWN LAKE TOWN PIN 700089. It serves the Lake Town 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 IDIB000L513 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 LAKE TOWN branch came to be assigned the code IDIB000L513.

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 IDIB000L513, money simply cannot be routed to the LAKE TOWN branch electronically.

Products and account variants supported

Every account opened at the Lake Town branch is mapped to IFSC IDIB000L513 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 IDIB000L513.

Banking services available

The Lake Town branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-25340781.

• 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 IDIB000L513

How to transfer money using IFSC IDIB000L513

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 IDIB000L513 across all three.

NEFT to Indian Bank, LAKE TOWN using IFSC IDIB000L513

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 IDIB000L513, and confirm that the system picks up Indian Bank – LAKE TOWN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAKE TOWN

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's LAKE TOWN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000L513 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank LAKE TOWN (IFSC IDIB000L513)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000L513 in your mobile or internet banking app, and the money is credited to the LAKE TOWN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lake Town

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDIB000L513:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at LAKE TOWN is still linked to IFSC IDIB000L513.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC IDIB000L513

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 – LAKE TOWN is still mapped to IFSC IDIB000L513. 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 IDIB000L513 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000L513

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the LAKE TOWN 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 IDIB000L513 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 & cheque-truncation details

Cheques drawn on the Lake Town branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000L513 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – LAKE TOWN:

• The IFSC is exactly IDIB000L513 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 LAKE TOWN 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 Lake Town branch

The branch is located at 910 LAKE TOWN BLOCK A JESSORE ROAD CROSSING LAKE TOWN LAKE TOWN PIN 700089, which puts it inside Lake Town, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Lake Town branch” — the verified location pin for IFSC IDIB000L513 should appear at the top of the results.
2. Confirm the branch is open by calling 33-25340781 before stepping out, especially around public holidays.
3. 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 IDIB000L513 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000L513 for Indian Bank – LAKE TOWN, 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 Lake Town 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 IDIB000L513 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000L513 belongs to Indian Bank's LAKE TOWN branch, located at 910 LAKE TOWN BLOCK A JESSORE ROAD CROSSING LAKE TOWN LAKE TOWN PIN 700089 in LAKE TOWN, 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.