Use this page as a one-stop reference for everything related to Indian Bank's LOHROOLI branch in LOHRAULI, UTTAR PRADESH. The branch's IFSC code IDIB000L550 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000L550 is the IFSC of Indian Bank's LOHROOLI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00L550 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lohrooli branch in Lohrauli, Uttar Pradesh is part of this network and uses the IFSC code IDIB000L550 for all electronic settlement.
About the Lohrooli branch
The Lohrooli branch of Indian Bank is situated at VILL LAHRAULI PO HATWA LOHRAULI HATWA PIN 272125. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDIB000L550 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Lohrooli |
| IFSC Code | IDIB000L550 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL LAHRAULI PO HATWA LOHRAULI HATWA PIN 272125 |
| City | Lohrauli |
| District | Sant Kabir Nagar |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 7505431760 |
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 LOHROOLI branch came to be assigned the code IDIB000L550.
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 IDIB000L550, money simply cannot be routed to the LOHROOLI branch electronically.
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 IDIB000L550 and the account number together uniquely identify the Lohrooli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000L550
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 IDIB000L550 across all three.
NEFT to Indian Bank, LOHROOLI using IFSC IDIB000L550
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 IDIB000L550, and confirm that the system picks up Indian Bank – LOHROOLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to LOHROOLI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's LOHROOLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000L550 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 – LOHROOLI, use IMPS. With IFSC IDIB000L550 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000L550 for Indian Bank – LOHROOLI, 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 – IDIB000L550 | Yes – IDIB000L550 | Yes – IDIB000L550 |
For most retail customers crediting the Lohrooli 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 IDIB000L550
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 – LOHROOLI is still mapped to IFSC IDIB000L550. 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 IDIB000L550 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Lohrooli branch is mapped to IFSC IDIB000L550 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 IDIB000L550.
Banking services available
The Lohrooli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7505431760.
- 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 IDIB000L550
Digital banking channels
Most day-to-day work that customers used to do at the Lohrooli 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 IDIB000L550 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.
How to reach the Lohrooli branch
The branch is located at VILL LAHRAULI PO HATWA LOHRAULI HATWA PIN 272125, which puts it inside Lohrauli, the broader Sant Kabir Nagar district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Lohrooli branch” — the verified location pin for IFSC IDIB000L550 should appear at the top of the results.
- Confirm the branch is open by calling 91-7505431760 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 IDIB000L550 and your account number.
Common mistakes to avoid when using IFSC IDIB000L550
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 – LOHROOLI, 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:
IDIB000L550. - 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.
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 Lohrooli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000L550, however, work 24x7.
Verifying IFSC IDIB000L550 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 IDIB000L550 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7505431760.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankLohrooli Branch
VILL LAHRAULI PO HATWA LOHRAULI HATWA PIN 272125
Lohrauli, Uttar Pradesh
Phone: 91-7505431760
IFSC: IDIB000L550
Frequently asked questions
Is IFSC IDIB000L550 the same for all accounts at Lohrooli branch?
Yes. The IFSC IDIB000L550 is shared by every account held at Indian Bank's Lohrooli branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000L550 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000L550 to send funds instantly.
How do I add Indian Bank Lohrooli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000L550, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Lohrooli branch located?
Indian Bank's Lohrooli branch is located at VILL LAHRAULI PO HATWA LOHRAULI HATWA PIN 272125, Lohrauli, Uttar Pradesh.
What is the phone number of Indian Bank Lohrooli branch?
You can reach the branch at 91-7505431760 during regular banking hours.
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 Lohrooli branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000L550 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Lohrooli reflect within 30 minutes.
Summary
The IFSC code IDIB000L550 belongs to Indian Bank's LOHROOLI branch, located at VILL LAHRAULI PO HATWA LOHRAULI HATWA PIN 272125 in LOHRAULI, UTTAR 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.
