Use this page as a one-stop reference for everything related to Indian Bank's NARODA branch in NARODA, GUJARAT. The branch's IFSC code IDIB000N549 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 – NARODA is IDIB000N549. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00N549 map to this branch in NARODA, GUJARAT.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Naroda branch in Naroda, Gujarat is part of this network and uses the IFSC code IDIB000N549 for all electronic settlement.
Naroda branch overview
Located at NARODA BAZAR NARODA AHMEDABAD382330 GALAXY ROAD NARODA NARODA PIN 382330, the Naroda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000N549 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Naroda |
| IFSC Code | IDIB000N549 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NARODA BAZAR NARODA AHMEDABAD382330 GALAXY ROAD NARODA NARODA PIN 382330 |
| City | Naroda |
| District | Ahmedabad |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9723144451 |
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 NARODA of Indian Bank — its own 11-character IFSC. The code IDIB000N549 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 IDIB000N549 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Naroda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000N549 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000N549
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 IDIB000N549 across all three.
NEFT to Indian Bank, NARODA using IFSC IDIB000N549
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 IDIB000N549, and confirm that the system picks up Indian Bank – NARODA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000N549
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 – NARODA, ensure your bank's portal accepts IFSC IDIB000N549 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – NARODA, use IMPS. With IFSC IDIB000N549 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 IDIB000N549 for Indian Bank – NARODA, 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 – IDIB000N549 | Yes – IDIB000N549 | Yes – IDIB000N549 |
For most retail customers crediting the Naroda 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's NARODA branch, the IFSC IDIB000N549 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Naroda branch is mapped to IFSC IDIB000N549 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 IDIB000N549.
Products and services
Customers walking into the Naroda branch can access most of Indian Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IDIB000N549
Digital banking channels
Most day-to-day work that customers used to do at the Naroda 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 IDIB000N549 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 Naroda branch
The branch is located at NARODA BAZAR NARODA AHMEDABAD382330 GALAXY ROAD NARODA NARODA PIN 382330, which puts it inside Naroda, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Naroda branch” — the verified location pin for IFSC IDIB000N549 should appear at the top of the results.
- Confirm the branch is open by calling 91-9723144451 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 IDIB000N549 and your account number.
Common mistakes to avoid when using IFSC IDIB000N549
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 – NARODA, 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:
IDIB000N549. - 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Naroda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000N549, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000N549 for Indian Bank – NARODA, 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.
Branch address & contact
Indian BankNaroda Branch
NARODA BAZAR NARODA AHMEDABAD382330 GALAXY ROAD NARODA NARODA PIN 382330
Naroda, Gujarat
Phone: 91-9723144451
IFSC: IDIB000N549
Frequently asked questions
How do I add Indian Bank Naroda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000N549, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000N549 the same for all accounts at Naroda branch?
Yes. The IFSC IDIB000N549 is shared by every account held at Indian Bank's Naroda branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Naroda branch?
You can reach the branch at 91-9723144451 during regular banking hours.
How quickly will an NEFT transfer using IDIB000N549 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Naroda reflect within 30 minutes.
Can I use IFSC IDIB000N549 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000N549 to send funds instantly.
Is IFSC IDIB000N549 valid for NEFT and RTGS?
Yes. IFSC IDIB000N549 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Naroda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9723144451 to confirm.
Final notes
To recap: IDIB000N549 is the IFSC code of Indian Bank, NARODA branch, in NARODA, GUJARAT. 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.
