IFSC Code of Indian Bank, Mallawan Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indian Bank's MALLAWAN branch in MALLAWAN, UTTAR PRADESH. The branch's IFSC code IDIB000M162 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.

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 MALLAWAN branch, the IFSC IDIB000M162 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00M162 identifies this particular branch.

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mallawan branch in Mallawan, Uttar Pradesh is part of this network and uses the IFSC code IDIB000M162 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 1053 HARDOI KANPUR ROAD MALLAWAN HARDOI DIST UTTAR PRADESH MALLAWAN PIN 241303. It serves the Mallawan 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 IDIB000M162 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 MALLAWAN branch came to be assigned the code IDIB000M162.

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 IDIB000M162, money simply cannot be routed to the MALLAWAN branch electronically.

Products and account variants supported

Every account opened at the Mallawan branch is mapped to IFSC IDIB000M162 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 IDIB000M162.

Banking services available

The Mallawan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5851-242795.

• 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 IDIB000M162

How to transfer money using IFSC IDIB000M162

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 IDIB000M162 across all three.

NEFT to Indian Bank, MALLAWAN using IFSC IDIB000M162

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 IDIB000M162, and confirm that the system picks up Indian Bank – MALLAWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MALLAWAN

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's MALLAWAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M162 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank MALLAWAN (IFSC IDIB000M162)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M162 in your mobile or internet banking app, and the money is credited to the MALLAWAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mallawan

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 IDIB000M162:

• 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 MALLAWAN is still linked to IFSC IDIB000M162.

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 IDIB000M162

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 – MALLAWAN is still mapped to IFSC IDIB000M162. 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 IDIB000M162 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000M162

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the MALLAWAN 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 IDIB000M162 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.

MICR & cheque-truncation details

Cheques drawn on the Mallawan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000M162 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MALLAWAN:

• The IFSC is exactly IDIB000M162 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 MALLAWAN 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.

Reaching the branch

The Mallawan branch sits at 1053 HARDOI KANPUR ROAD MALLAWAN HARDOI DIST UTTAR PRADESH MALLAWAN PIN 241303. If you are travelling from outside Mallawan, search for the branch on a maps application using the bank name and locality, or call 5851-242795 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IDIB000M162 and your account number.

Verifying IFSC IDIB000M162 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 IDIB000M162 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5851-242795.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mallawan 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 IDIB000M162 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000M162 belongs to Indian Bank's MALLAWAN branch, located at 1053 HARDOI KANPUR ROAD MALLAWAN HARDOI DIST UTTAR PRADESH MALLAWAN PIN 241303 in MALLAWAN, 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.