This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, LOHSIMBLY branch in LOHSIMBLY. The 11-digit IFSC IDIB000L551 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 LOHSIMBLY 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.
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, IDIB000L551 is the IFSC of Indian Bank's LOHSIMBLY branch. The format is fixed: IDIB = bank code, 0 = reserved, 00L551 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Lohsimbly |
| IFSC Code | IDIB000L551 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GAHAUR ROAD LOHSIMBLY TEHSIL RAIPURA GHANAUR ROAD LOHSIMBLY LOHSIMBLY PIN 140401 |
| City | Lohsimbly |
| District | Patiala |
| State | Punjab |
| STD Code | 91 |
| Phone | 9466634989 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lohsimbly branch in Lohsimbly, Punjab is part of this network and uses the IFSC code IDIB000L551 for all electronic settlement.
About this branch
The branch is located at GAHAUR ROAD LOHSIMBLY TEHSIL RAIPURA GHANAUR ROAD LOHSIMBLY LOHSIMBLY PIN 140401. It serves the Lohsimbly 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 IDIB000L551 is used to identify this branch on the RBI payments network.
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 LOHSIMBLY of Indian Bank — its own 11-character IFSC. The code IDIB000L551 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 IDIB000L551 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000L551
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 IDIB000L551 across all three.
NEFT to Indian Bank, LOHSIMBLY using IFSC IDIB000L551
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 IDIB000L551, and confirm that the system picks up Indian Bank – LOHSIMBLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to LOHSIMBLY
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's LOHSIMBLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000L551 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank LOHSIMBLY (IFSC IDIB000L551)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000L551 in your mobile or internet banking app, and the money is credited to the LOHSIMBLY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000L551 for Indian Bank – LOHSIMBLY, 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 – IDIB000L551 | Yes – IDIB000L551 | Yes – IDIB000L551 |
For most retail customers crediting the Lohsimbly 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's LOHSIMBLY branch, the IFSC IDIB000L551 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Lohsimbly branch is mapped to IFSC IDIB000L551 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 IDIB000L551.
Products and services
Customers walking into the Lohsimbly 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 IDIB000L551
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 IDIB000L551 and the account number together uniquely identify the Lohsimbly branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000L551
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the LOHSIMBLY 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 IDIB000L551 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.
Common mistakes to avoid when using IFSC IDIB000L551
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 – LOHSIMBLY, 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:
IDIB000L551. - 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 Lohsimbly branch
The branch is located at GAHAUR ROAD LOHSIMBLY TEHSIL RAIPURA GHANAUR ROAD LOHSIMBLY LOHSIMBLY PIN 140401, which puts it inside Lohsimbly, the broader Patiala district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Lohsimbly branch” — the verified location pin for IFSC IDIB000L551 should appear at the top of the results.
- Confirm the branch is open by calling 91-9466634989 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 IDIB000L551 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000L551 for Indian Bank – LOHSIMBLY, 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 Lohsimbly branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000L551, however, work 24x7.
Branch address & contact
Indian BankLohsimbly Branch
GAHAUR ROAD LOHSIMBLY TEHSIL RAIPURA GHANAUR ROAD LOHSIMBLY LOHSIMBLY PIN 140401
Lohsimbly, Punjab
Phone: 91-9466634989
IFSC: IDIB000L551
Frequently asked questions
What is the phone number of Indian Bank Lohsimbly branch?
You can reach the branch at 91-9466634989 during regular banking hours.
How quickly will an NEFT transfer using IDIB000L551 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Lohsimbly reflect within 30 minutes.
Where is Indian Bank Lohsimbly branch located?
Indian Bank's Lohsimbly branch is located at GAHAUR ROAD LOHSIMBLY TEHSIL RAIPURA GHANAUR ROAD LOHSIMBLY LOHSIMBLY PIN 140401, Lohsimbly, Punjab.
What is the IFSC code of Indian Bank Lohsimbly branch?
The IFSC code of Indian Bank, Lohsimbly branch is IDIB000L551. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Lohsimbly branch but serve different purposes.
How do I add Indian Bank Lohsimbly as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000L551, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000L551 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000L551 to send funds instantly.
Does Indian Bank Lohsimbly branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9466634989 to confirm.
Summary
The IFSC code IDIB000L551 belongs to Indian Bank's LOHSIMBLY branch, located at GAHAUR ROAD LOHSIMBLY TEHSIL RAIPURA GHANAUR ROAD LOHSIMBLY LOHSIMBLY PIN… in LOHSIMBLY, PUNJAB. 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.
