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

If you are searching for the IFSC code of Indian Bank, POKHAWAL ROAD LUDHIANA branch in LUDHIANA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is IDIB000P524. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the POKHAWAL ROAD LUDHIANA branch, and detailed step-by-step guides for using the IFSC IDIB000P524 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Indian Bank's POKHAWAL ROAD LUDHIANA branch, the IFSC IDIB000P524 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00P524 identifies this particular branch.

Branch details at a glance

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Pokhawal Road Ludhiana branch in Ludhiana. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IDIB000P524.

About the Pokhawal Road Ludhiana branch

The Pokhawal Road Ludhiana branch of Indian Bank is situated at B XXVI745/9/1 SHAKTI NAGAR PAKHOWAL ROAD LUDHIANA LUDHIANA LUDHIANA PIN 141002. 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 IDIB000P524 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 POKHAWAL ROAD LUDHIANA of Indian Bank — its own 11-character IFSC. The code IDIB000P524 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 IDIB000P524 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 IDIB000P524

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 IDIB000P524 across all three.

NEFT to Indian Bank, POKHAWAL ROAD LUDHIANA using IFSC IDIB000P524

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 IDIB000P524, and confirm that the system picks up Indian Bank – POKHAWAL ROAD LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB000P524

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 – POKHAWAL ROAD LUDHIANA, ensure your bank's portal accepts IFSC IDIB000P524 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank POKHAWAL ROAD LUDHIANA (IFSC IDIB000P524)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000P524 in your mobile or internet banking app, and the money is credited to the POKHAWAL ROAD LUDHIANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pokhawal Road Ludhiana

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 IDIB000P524:

• 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 POKHAWAL ROAD LUDHIANA is still linked to IFSC IDIB000P524.

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 IDIB000P524

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 – POKHAWAL ROAD LUDHIANA is still mapped to IFSC IDIB000P524. 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 IDIB000P524 and the beneficiary's account number to complete the transfer.

Account types you can open at the Pokhawal Road Ludhiana branch

Once you have an account at Indian Bank – POKHAWAL ROAD LUDHIANA, the IFSC IDIB000P524 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.

Banking services available

The Pokhawal Road Ludhiana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7347035117.

• 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 IDIB000P524

MICR & cheque-truncation details

Cheques drawn on the Pokhawal Road Ludhiana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000P524 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IDIB000P524

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the POKHAWAL ROAD LUDHIANA 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 IDIB000P524 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.

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 – POKHAWAL ROAD LUDHIANA:

• The IFSC is exactly IDIB000P524 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 POKHAWAL ROAD LUDHIANA 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 Pokhawal Road Ludhiana branch

The branch is located at B XXVI745/9/1 SHAKTI NAGAR PAKHOWAL ROAD LUDHIANA LUDHIANA LUDHIANA PIN 141002, 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 Pokhawal Road Ludhiana branch” — the verified location pin for IFSC IDIB000P524 should appear at the top of the results.
2. Confirm the branch is open by calling 91-7347035117 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 IDIB000P524 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000P524 for Indian Bank – POKHAWAL ROAD LUDHIANA, 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 Pokhawal Road Ludhiana 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 IDIB000P524 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000P524 is the IFSC code of Indian Bank, POKHAWAL ROAD LUDHIANA 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.