IFSC Code of Indian Bank, Prayagraj City Office Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, PRAYAGRAJ CITY OFFICE branch in LOKNATH. The 11-digit IFSC IDIB000A579 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 PRAYAGRAJ CITY OFFICE 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 – PRAYAGRAJ CITY OFFICE is IDIB000A579. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00A579 map to this branch in LOKNATH, UTTAR PRADESH.

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 Prayagraj City Office branch in Loknath, Uttar Pradesh is part of this network and uses the IFSC code IDIB000A579 for all electronic settlement.

About this branch

The branch is located at 54 55 SARAIMIRKHAN CHOWK ALLAHABAD LOKNATH ALLAHABAD CITY PIN 211003. It serves the Loknath 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 IDIB000A579 is used to identify this branch on the RBI payments network.

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 PRAYAGRAJ CITY OFFICE branch came to be assigned the code IDIB000A579.

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 IDIB000A579, money simply cannot be routed to the PRAYAGRAJ CITY OFFICE branch electronically.

How to transfer money using IFSC IDIB000A579

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 IDIB000A579 across all three.

How to use IFSC IDIB000A579 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's PRAYAGRAJ CITY OFFICE 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 IDIB000A579.
4. Confirm the bank name auto-populates as Indian Bank and the branch as PRAYAGRAJ CITY OFFICE.
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 PRAYAGRAJ CITY OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PRAYAGRAJ CITY OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A579 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank PRAYAGRAJ CITY OFFICE (IFSC IDIB000A579)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A579 in your mobile or internet banking app, and the money is credited to the PRAYAGRAJ CITY OFFICE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Prayagraj City Office

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 IDIB000A579:

• 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 PRAYAGRAJ CITY OFFICE is still linked to IFSC IDIB000A579.

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 IDIB000A579

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 – PRAYAGRAJ CITY OFFICE is still mapped to IFSC IDIB000A579. 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 IDIB000A579 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Prayagraj City Office branch is mapped to IFSC IDIB000A579 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 IDIB000A579.

Products and services

Customers walking into the Prayagraj City Office 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 IDIB000A579

MICR & cheque-truncation details

Cheques drawn on the Prayagraj City Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000A579 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IDIB000A579

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PRAYAGRAJ CITY OFFICE 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 IDIB000A579 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 IDIB000A579

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 – PRAYAGRAJ CITY OFFICE, 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: IDIB000A579.
• 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 Prayagraj City Office branch

The branch is located at 54 55 SARAIMIRKHAN CHOWK ALLAHABAD LOKNATH ALLAHABAD CITY PIN 211003, which puts it inside Loknath, the broader Prayagraj district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Prayagraj City Office branch” — the verified location pin for IFSC IDIB000A579 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7706884433 before stepping out, especially around public holidays.
3. 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 IDIB000A579 and your account number.

Verifying IFSC IDIB000A579 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 IDIB000A579 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7706884433.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Prayagraj City Office 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 IDIB000A579 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000A579 belongs to Indian Bank's PRAYAGRAJ CITY OFFICE branch, located at 54 55 SARAIMIRKHAN CHOWK ALLAHABAD LOKNATH ALLAHABAD CITY PIN 211003 in LOKNATH, 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.