IFSC Code of Indian Bank, Jabalpur Lalmati Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Indian Bank's JABALPUR LALMATI branch in LALMATI, MADHYA PRADESH. The branch's IFSC code IDIB000J504 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.

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 – JABALPUR LALMATI is IDIB000J504. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00J504 map to this branch in LALMATI, MADHYA PRADESH.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jabalpur Lalmati branch — IFSC IDIB000J504 — extends the bank's services to customers in and around Lalmati, Madhya Pradesh.

Branch details at a glance

Jabalpur Lalmati branch overview

Located at NO 575 NEAR KANCHGHAR CHOURAHA CHUNGI CHOUKI LALMATI KASTURBA NAGAR PIN 482001, the Jabalpur Lalmati branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000J504 is required for all interbank electronic transfers routed through this branch.

Why every Indian Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JABALPUR LALMATI of Indian Bank — its own 11-character IFSC. The code IDIB000J504 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDIB000J504 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Jabalpur Lalmati branch

Once you have an account at Indian Bank – JABALPUR LALMATI, the IFSC IDIB000J504 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 Jabalpur Lalmati 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 IDIB000J504

How to transfer money using IFSC IDIB000J504

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 IDIB000J504 across all three.

NEFT to Indian Bank, JABALPUR LALMATI using IFSC IDIB000J504

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 IDIB000J504, and confirm that the system picks up Indian Bank – JABALPUR LALMATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB000J504

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 – JABALPUR LALMATI, ensure your bank's portal accepts IFSC IDIB000J504 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank JABALPUR LALMATI (IFSC IDIB000J504)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000J504 in your mobile or internet banking app, and the money is credited to the JABALPUR LALMATI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000J504 for Indian Bank – JABALPUR LALMATI, 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.

For most retail customers crediting the Jabalpur Lalmati 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 IDIB000J504

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 – JABALPUR LALMATI is still mapped to IFSC IDIB000J504. 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 IDIB000J504 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000J504

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the JABALPUR LALMATI 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 IDIB000J504 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 Jabalpur Lalmati branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000J504 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 – JABALPUR LALMATI:

• The IFSC is exactly IDIB000J504 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 JABALPUR LALMATI 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 Jabalpur Lalmati branch sits at NO 575 NEAR KANCHGHAR CHOURAHA CHUNGI CHOUKI LALMATI KASTURBA NAGAR PIN 482001. If you are travelling from outside Lalmati, search for the branch on a maps application using the bank name and locality, or call 91-9589511402 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 IDIB000J504 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000J504 for Indian Bank – JABALPUR LALMATI, 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 Jabalpur Lalmati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000J504, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000J504 belongs to Indian Bank's JABALPUR LALMATI branch, located at NO 575 NEAR KANCHGHAR CHOURAHA CHUNGI CHOUKI LALMATI KASTURBA NAGAR PIN 482001 in LALMATI, MADHYA PRADESH. 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.