IFSC Code of Indian Bank, Ludhiana Link Road Branch, Punjab

Below are the complete branch details for Indian Bank, LUDHIANA LINK ROAD branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000L569. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000L569 for Indian Bank – LUDHIANA LINK ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IDIB000L569 is the IFSC of Indian Bank's LUDHIANA LINK ROAD branch. The format is fixed: IDIB = bank code, 0 = reserved, 00L569 = branch identifier.

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 Ludhiana Link Road branch in Ludhiana, Punjab is part of this network and uses the IFSC code IDIB000L569 for all electronic settlement.

About the Ludhiana Link Road branch

The Ludhiana Link Road branch of Indian Bank is situated at 818 INDUSTRIAL AREA B LINK ROAD PARTAP CHOWK LUDHIANA LUDHIANA PIN 141003. 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 IDIB000L569 is used.

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 LUDHIANA LINK ROAD of Indian Bank — its own 11-character IFSC. The code IDIB000L569 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 IDIB000L569 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 IDIB000L569

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 IDIB000L569 across all three.

How to use IFSC IDIB000L569 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's LUDHIANA LINK ROAD 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 IDIB000L569.
4. Confirm the bank name auto-populates as Indian Bank and the branch as LUDHIANA LINK ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IDIB000L569

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 – LUDHIANA LINK ROAD, ensure your bank's portal accepts IFSC IDIB000L569 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Bank – LUDHIANA LINK ROAD, use IMPS. With IFSC IDIB000L569 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 IDIB000L569 for Indian Bank – LUDHIANA LINK ROAD, 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 Ludhiana Link Road 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 IDIB000L569

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 – LUDHIANA LINK ROAD is still mapped to IFSC IDIB000L569. 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 IDIB000L569 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ludhiana Link Road branch is mapped to IFSC IDIB000L569 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 IDIB000L569.

Banking services available

The Ludhiana Link Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7347035101.

• 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 IDIB000L569

MICR & cheque-truncation details

Cheques drawn on the Ludhiana Link Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000L569 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Ludhiana Link Road 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 IDIB000L569 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.

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 – LUDHIANA LINK ROAD:

• The IFSC is exactly IDIB000L569 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 LUDHIANA LINK ROAD 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.

How to reach the Ludhiana Link Road branch

The branch is located at 818 INDUSTRIAL AREA B LINK ROAD PARTAP CHOWK LUDHIANA LUDHIANA PIN 141003, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Ludhiana Link Road branch” — the verified location pin for IFSC IDIB000L569 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7347035101 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 IDIB000L569 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000L569 for Indian Bank – LUDHIANA LINK ROAD, 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.

Working hours

Branch counters at Ludhiana Link Road 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 IDIB000L569 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000L569 is the IFSC code of Indian Bank, LUDHIANA LINK ROAD branch, in LUDHIANA, PUNJAB. 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.