Use this page as a one-stop reference for everything related to Indian Bank's MELLAK branch in MELLAK, WEST BENGAL. The branch's IFSC code IDIB000M319 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.
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 – MELLAK is IDIB000M319. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00M319 map to this branch in MELLAK, WEST BENGAL.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mellak branch in Mellak, West Bengal is part of this network and uses the IFSC code IDIB000M319 for all electronic settlement.
About the Mellak branch
The Mellak branch of Indian Bank is situated at BANDHAN MARIAGGE HALL SARAT CHANDRA ROAD MELLAK MELLAK PIN 711303. 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 IDIB000M319 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Mellak |
| IFSC Code | IDIB000M319 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BANDHAN MARIAGGE HALL SARAT CHANDRA ROAD MELLAK MELLAK PIN 711303 |
| City | Mellak |
| District | Howrah |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9874452359 |
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 MELLAK of Indian Bank — its own 11-character IFSC. The code IDIB000M319 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 IDIB000M319 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 IDIB000M319 and the account number together uniquely identify the Mellak branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000M319
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 IDIB000M319 across all three.
NEFT to Indian Bank, MELLAK using IFSC IDIB000M319
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 IDIB000M319, and confirm that the system picks up Indian Bank – MELLAK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000M319
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 – MELLAK, ensure your bank's portal accepts IFSC IDIB000M319 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank MELLAK (IFSC IDIB000M319)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M319 in your mobile or internet banking app, and the money is credited to the MELLAK branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000M319 for Indian Bank – MELLAK, 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 – IDIB000M319 | Yes – IDIB000M319 | Yes – IDIB000M319 |
For most retail customers crediting the Mellak 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 IDIB000M319
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 – MELLAK is still mapped to IFSC IDIB000M319. 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 IDIB000M319 and the beneficiary's account number to complete the transfer.
Account types you can open at the Mellak branch
Once you have an account at Indian Bank – MELLAK, the IFSC IDIB000M319 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 Mellak branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9874452359.
- 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 IDIB000M319
Online banking and IFSC IDIB000M319
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the MELLAK 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 IDIB000M319 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.
How to reach the Mellak branch
The branch is located at BANDHAN MARIAGGE HALL SARAT CHANDRA ROAD MELLAK MELLAK PIN 711303, which puts it inside Mellak, the broader Howrah district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Mellak branch” — the verified location pin for IFSC IDIB000M319 should appear at the top of the results.
- Confirm the branch is open by calling 91-9874452359 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 IDIB000M319 and your account number.
Common mistakes to avoid when using IFSC IDIB000M319
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 – MELLAK, 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:
IDIB000M319. - 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 Mellak 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 IDIB000M319 continue to work without interruption.
Verifying IFSC IDIB000M319 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 IDIB000M319 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9874452359.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankMellak Branch
BANDHAN MARIAGGE HALL SARAT CHANDRA ROAD MELLAK MELLAK PIN 711303
Mellak, West Bengal
Phone: 91-9874452359
IFSC: IDIB000M319
Frequently asked questions
How do I add Indian Bank Mellak as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000M319, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Mellak branch but serve different purposes.
What is the IFSC code of Indian Bank Mellak branch?
The IFSC code of Indian Bank, Mellak branch is IDIB000M319. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Mellak branch located?
Indian Bank's Mellak branch is located at BANDHAN MARIAGGE HALL SARAT CHANDRA ROAD MELLAK MELLAK PIN 711303, Mellak, West Bengal.
What is the phone number of Indian Bank Mellak branch?
You can reach the branch at 91-9874452359 during regular banking hours.
Can I use IFSC IDIB000M319 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M319 to send funds instantly.
Summary
The IFSC code IDIB000M319 belongs to Indian Bank's MELLAK branch, located at BANDHAN MARIAGGE HALL SARAT CHANDRA ROAD MELLAK MELLAK PIN 711303 in MELLAK, WEST BENGAL. 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.
