This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, MEMRU MURTIHA branch in MEHRU MURTIHA. The 11-digit IFSC IDIB000M698 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 MEMRU MURTIHA 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, IDIB000M698 is the IFSC of Indian Bank's MEMRU MURTIHA branch. The format is fixed: IDIB = bank code, 0 = reserved, 00M698 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Memru Murtiha branch in Mehru Murtiha, Uttar Pradesh is part of this network and uses the IFSC code IDIB000M698 for all electronic settlement.
About the Memru Murtiha branch
The Memru Murtiha branch of Indian Bank is situated at BADLA CHAURAHA VILL MEHRU MURTIHA MEHRU MURTIHA MEHRU MURTIHA PIN 271803. 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 IDIB000M698 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Memru Murtiha |
| IFSC Code | IDIB000M698 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BADLA CHAURAHA VILL MEHRU MURTIHA MEHRU MURTIHA MEHRU MURTIHA PIN 271803 |
| City | Mehru Murtiha |
| District | Shrawasti |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8052525245 |
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 MEMRU MURTIHA of Indian Bank — its own 11-character IFSC. The code IDIB000M698 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 IDIB000M698 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IDIB000M698 and the account number together uniquely identify the Memru Murtiha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000M698
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 IDIB000M698 across all three.
How to use IFSC IDIB000M698 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's MEMRU MURTIHA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000M698.
- Confirm the bank name auto-populates as Indian Bank and the branch as MEMRU MURTIHA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000M698
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 – MEMRU MURTIHA, ensure your bank's portal accepts IFSC IDIB000M698 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank MEMRU MURTIHA (IFSC IDIB000M698)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M698 in your mobile or internet banking app, and the money is credited to the MEMRU MURTIHA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000M698 for Indian Bank – MEMRU MURTIHA, 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 – IDIB000M698 | Yes – IDIB000M698 | Yes – IDIB000M698 |
For most retail customers crediting the Memru Murtiha 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 IDIB000M698
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 – MEMRU MURTIHA is still mapped to IFSC IDIB000M698. 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 IDIB000M698 and the beneficiary's account number to complete the transfer.
Account types you can open at the Memru Murtiha branch
Once you have an account at Indian Bank – MEMRU MURTIHA, the IFSC IDIB000M698 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 Memru Murtiha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8052525245.
- 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 IDIB000M698
Digital banking channels
Most day-to-day work that customers used to do at the Memru Murtiha 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 IDIB000M698 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.
How to reach the Memru Murtiha branch
The branch is located at BADLA CHAURAHA VILL MEHRU MURTIHA MEHRU MURTIHA MEHRU MURTIHA PIN 271803, which puts it inside Mehru Murtiha, the broader Shrawasti district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Memru Murtiha branch” — the verified location pin for IFSC IDIB000M698 should appear at the top of the results.
- Confirm the branch is open by calling 91-8052525245 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 IDIB000M698 and your account number.
Common mistakes to avoid when using IFSC IDIB000M698
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 – MEMRU MURTIHA, 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:
IDIB000M698. - 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.
Working hours
Branch counters at Memru Murtiha 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 IDIB000M698 continue to work without interruption.
Verifying IFSC IDIB000M698 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 IDIB000M698 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8052525245.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankMemru Murtiha Branch
BADLA CHAURAHA VILL MEHRU MURTIHA MEHRU MURTIHA MEHRU MURTIHA PIN 271803
Mehru Murtiha, Uttar Pradesh
Phone: 91-8052525245
IFSC: IDIB000M698
Frequently asked questions
How do I add Indian Bank Memru Murtiha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000M698, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000M698 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M698 to send funds instantly.
What is the phone number of Indian Bank Memru Murtiha branch?
You can reach the branch at 91-8052525245 during regular banking hours.
What is the IFSC code of Indian Bank Memru Murtiha branch?
The IFSC code of Indian Bank, Memru Murtiha branch is IDIB000M698. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000M698 the same for all accounts at Memru Murtiha branch?
Yes. The IFSC IDIB000M698 is shared by every account held at Indian Bank's Memru Murtiha branch. Only the account number changes from customer to customer.
Does Indian Bank Memru Murtiha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8052525245 to confirm.
Where is Indian Bank Memru Murtiha branch located?
Indian Bank's Memru Murtiha branch is located at BADLA CHAURAHA VILL MEHRU MURTIHA MEHRU MURTIHA MEHRU MURTIHA PIN 271803, Mehru Murtiha, Uttar Pradesh.
How quickly will an NEFT transfer using IDIB000M698 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Memru Murtiha reflect within 30 minutes.
Summary
The IFSC code IDIB000M698 belongs to Indian Bank's MEMRU MURTIHA branch, located at BADLA CHAURAHA VILL MEHRU MURTIHA MEHRU MURTIHA MEHRU MURTIHA PIN 271803 in MEHRU MURTIHA, 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.
