Use this page as a one-stop reference for everything related to Indian Bank's KHAIRTEYA branch in LAKHIMPUR KHERI, UTTAR PRADESH. The branch's IFSC code IDIB000K356 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 KHAIRTEYA branch, the IFSC IDIB000K356 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K356 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Khairteya |
| IFSC Code | IDIB000K356 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INDIAN BANK KHEIRTEYA OFF RAILWAY STATION PORT BABAPUR TEHSIL DIST LAKHIMPUR KHERI |
| City | Lakhimpur Kheri |
| District | Lakhimpur Kheri |
| State | Uttar Pradesh |
| STD Code | 262906 |
| Phone | 9818176625 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khairteya branch in Lakhimpur Kheri, Uttar Pradesh is part of this network and uses the IFSC code IDIB000K356 for all electronic settlement.
About this branch
The branch is located at INDIAN BANK KHEIRTEYA OFF RAILWAY STATION PORT BABAPUR TEHSIL DIST LAKHIMPUR KHERI. It serves the Lakhimpur Kheri 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 IDIB000K356 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 KHAIRTEYA branch came to be assigned the code IDIB000K356.
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 IDIB000K356, money simply cannot be routed to the KHAIRTEYA branch electronically.
How to transfer money using IFSC IDIB000K356
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 IDIB000K356 across all three.
NEFT to Indian Bank, KHAIRTEYA using IFSC IDIB000K356
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 IDIB000K356, and confirm that the system picks up Indian Bank – KHAIRTEYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000K356
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 – KHAIRTEYA, ensure your bank's portal accepts IFSC IDIB000K356 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank KHAIRTEYA (IFSC IDIB000K356)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K356 in your mobile or internet banking app, and the money is credited to the KHAIRTEYA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K356 for Indian Bank – KHAIRTEYA, 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 – IDIB000K356 | Yes – IDIB000K356 | Yes – IDIB000K356 |
For most retail customers crediting the Khairteya 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 IDIB000K356
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 – KHAIRTEYA is still mapped to IFSC IDIB000K356. 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 IDIB000K356 and the beneficiary's account number to complete the transfer.
Account types you can open at the Khairteya branch
Once you have an account at Indian Bank – KHAIRTEYA, the IFSC IDIB000K356 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 Khairteya 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 IDIB000K356
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 IDIB000K356 and the account number together uniquely identify the Khairteya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Khairteya 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 IDIB000K356 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.
Common mistakes to avoid when using IFSC IDIB000K356
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Bank – KHAIRTEYA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IDIB000K356. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Khairteya branch
The branch is located at INDIAN BANK KHEIRTEYA OFF RAILWAY STATION PORT BABAPUR TEHSIL DIST LAKHIMPUR KHERI, which puts it inside Lakhimpur Kheri, the broader Lakhimpur Kheri district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Khairteya branch” — the verified location pin for IFSC IDIB000K356 should appear at the top of the results.
- Confirm the branch is open by calling 262906-9818176625 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 IDIB000K356 and your account number.
Verifying IFSC IDIB000K356 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 IDIB000K356 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 262906-9818176625.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Khairteya 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 IDIB000K356 continue to work without interruption.
Branch address & contact
Indian BankKhairteya Branch
INDIAN BANK KHEIRTEYA OFF RAILWAY STATION PORT BABAPUR TEHSIL DIST LAKHIMPUR KHERI
Lakhimpur Kheri, Uttar Pradesh
Phone: 262906-9818176625
IFSC: IDIB000K356
Frequently asked questions
Is IFSC IDIB000K356 the same for all accounts at Khairteya branch?
Yes. The IFSC IDIB000K356 is shared by every account held at Indian Bank's Khairteya 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 Khairteya branch but serve different purposes.
How do I add Indian Bank Khairteya as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K356, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Khairteya branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 262906-9818176625 to confirm.
What is the phone number of Indian Bank Khairteya branch?
You can reach the branch at 262906-9818176625 during regular banking hours.
How quickly will an NEFT transfer using IDIB000K356 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Khairteya reflect within 30 minutes.
Where is Indian Bank Khairteya branch located?
Indian Bank's Khairteya branch is located at INDIAN BANK KHEIRTEYA OFF RAILWAY STATION PORT BABAPUR TEHSIL DIST LAKHIMPUR KHERI, Lakhimpur Kheri, Uttar Pradesh.
Is IFSC IDIB000K356 valid for NEFT and RTGS?
Yes. IFSC IDIB000K356 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000K356 is the IFSC code of Indian Bank, KHAIRTEYA branch, in LAKHIMPUR KHERI, 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.
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