IFSC Code of Indian Bank, North Lakhimpur K B Road Branch, Assam

Below are the complete branch details for Indian Bank, NORTH LAKHIMPUR K B ROAD branch, located in LAKHIMPUR, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000N048. 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 IDIB000N048 for Indian Bank – NORTH LAKHIMPUR K B ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 NORTH LAKHIMPUR K B ROAD branch, the IFSC IDIB000N048 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00N048 identifies this particular branch.

Branch details at a glance

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its North Lakhimpur K B Road branch in Lakhimpur, Assam is part of this network and uses the IFSC code IDIB000N048 for all electronic settlement.

North Lakhimpur K B Road branch overview

Located at 1ST FLOOR BARUAH MARKET COMPLEX WARD NO11 KBROAD NORTH LAKHIMPUR PIN 787001, the North Lakhimpur K B Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000N048 is required for all interbank electronic transfers routed through this branch.

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 NORTH LAKHIMPUR K B ROAD branch came to be assigned the code IDIB000N048.

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 IDIB000N048, money simply cannot be routed to the NORTH LAKHIMPUR K B ROAD branch electronically.

How to transfer money using IFSC IDIB000N048

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 IDIB000N048 across all three.

How to use IFSC IDIB000N048 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's NORTH LAKHIMPUR K B ROAD 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 IDIB000N048.
4. Confirm the bank name auto-populates as Indian Bank and the branch as NORTH LAKHIMPUR K B ROAD.
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 NORTH LAKHIMPUR K B ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's NORTH LAKHIMPUR K B ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000N048 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Bank – NORTH LAKHIMPUR K B ROAD, use IMPS. With IFSC IDIB000N048 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to North Lakhimpur K B Road

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 IDIB000N048:

• 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 NORTH LAKHIMPUR K B ROAD is still linked to IFSC IDIB000N048.

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 IDIB000N048

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 – NORTH LAKHIMPUR K B ROAD is still mapped to IFSC IDIB000N048. 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 IDIB000N048 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the North Lakhimpur K B Road branch is mapped to IFSC IDIB000N048 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 IDIB000N048.

Products and services

Customers walking into the North Lakhimpur K B Road 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 IDIB000N048

MICR & cheque-truncation details

Cheques drawn on the North Lakhimpur K B Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000N048 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the North Lakhimpur K B Road 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 IDIB000N048 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.

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 – NORTH LAKHIMPUR K B ROAD:

• The IFSC is exactly IDIB000N048 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 NORTH LAKHIMPUR K B ROAD 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 North Lakhimpur K B Road branch sits at 1ST FLOOR BARUAH MARKET COMPLEX WARD NO11 KBROAD NORTH LAKHIMPUR PIN 787001. If you are travelling from outside Lakhimpur, search for the branch on a maps application using the bank name and locality, or call 91-9864355667 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 IDIB000N048 and your account number.

Verifying IFSC IDIB000N048 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 IDIB000N048 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9864355667.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at North Lakhimpur K B Road 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 IDIB000N048 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000N048 is the IFSC code of Indian Bank, NORTH LAKHIMPUR K B ROAD branch, in LAKHIMPUR, ASSAM. 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.