IFSC Code of Indian Bank, Vikash Bhawan Lakhimpur Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, VIKASH BHAWAN LAKHIMPUR branch in LAKHIMPUR. The 11-digit IFSC IDIB000V528 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the VIKASH BHAWAN LAKHIMPUR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – VIKASH BHAWAN LAKHIMPUR is IDIB000V528. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00V528 map to this branch in LAKHIMPUR, UTTAR PRADESH.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Vikash Bhawan Lakhimpur branch in Lakhimpur. 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, IDIB000V528.

Branch details at a glance

Vikash Bhawan Lakhimpur branch overview

Located at VIKASH BHAWAN CAMPUS L KHERI ROAD LAKHIMPUR LAKHIMPUR PIN 262701, the Vikash Bhawan Lakhimpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000V528 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 VIKASH BHAWAN LAKHIMPUR branch came to be assigned the code IDIB000V528.

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 IDIB000V528, money simply cannot be routed to the VIKASH BHAWAN LAKHIMPUR branch electronically.

Products and account variants supported

Every account opened at the Vikash Bhawan Lakhimpur branch is mapped to IFSC IDIB000V528 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 IDIB000V528.

Products and services

Customers walking into the Vikash Bhawan Lakhimpur 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 IDIB000V528

How to transfer money using IFSC IDIB000V528

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 IDIB000V528 across all three.

How to use IFSC IDIB000V528 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's VIKASH BHAWAN LAKHIMPUR 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 IDIB000V528.
4. Confirm the bank name auto-populates as Indian Bank and the branch as VIKASH BHAWAN LAKHIMPUR.
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 VIKASH BHAWAN LAKHIMPUR

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's VIKASH BHAWAN LAKHIMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000V528 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank VIKASH BHAWAN LAKHIMPUR (IFSC IDIB000V528)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000V528 in your mobile or internet banking app, and the money is credited to the VIKASH BHAWAN LAKHIMPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vikash Bhawan Lakhimpur

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 IDIB000V528:

• 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 VIKASH BHAWAN LAKHIMPUR is still linked to IFSC IDIB000V528.

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 IDIB000V528

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 – VIKASH BHAWAN LAKHIMPUR is still mapped to IFSC IDIB000V528. 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 IDIB000V528 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000V528

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the VIKASH BHAWAN LAKHIMPUR 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 IDIB000V528 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 Vikash Bhawan Lakhimpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000V528 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IDIB000V528

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 – VIKASH BHAWAN LAKHIMPUR, 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: IDIB000V528.
• 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.

Reaching the branch

The Vikash Bhawan Lakhimpur branch sits at VIKASH BHAWAN CAMPUS L KHERI ROAD LAKHIMPUR LAKHIMPUR PIN 262701. If you are travelling from outside Lakhimpur, search for the branch on a maps application using the bank name and locality, or call 91-8953820020 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 IDIB000V528 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000V528 for Indian Bank – VIKASH BHAWAN LAKHIMPUR, 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.

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 Vikash Bhawan Lakhimpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000V528, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000V528 is the IFSC code of Indian Bank, VIKASH BHAWAN LAKHIMPUR branch, in LAKHIMPUR, 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.