Use this page as a one-stop reference for everything related to Indian Bank's BADDOPUR branch in PANDARAK, BIHAR. The branch's IFSC code IDIB000B521 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 – BADDOPUR is IDIB000B521. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00B521 map to this branch in PANDARAK, BIHAR.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Baddopur |
| IFSC Code | IDIB000B521 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NH 31VILL PO PANDARK BARH) PANDARAK PANDARAK PIN 803221 |
| City | Pandarak |
| District | Patna |
| State | Bihar |
| STD Code | 91 |
| Phone | 8676892908 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Baddopur branch in Pandarak, Bihar is part of this network and uses the IFSC code IDIB000B521 for all electronic settlement.
About this branch
The branch is located at NH 31VILL PO PANDARK BARH) PANDARAK PANDARAK PIN 803221. It serves the Pandarak 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 IDIB000B521 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 BADDOPUR branch came to be assigned the code IDIB000B521.
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 IDIB000B521, money simply cannot be routed to the BADDOPUR branch electronically.
How to transfer money using IFSC IDIB000B521
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 IDIB000B521 across all three.
NEFT to Indian Bank, BADDOPUR using IFSC IDIB000B521
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 IDIB000B521, and confirm that the system picks up Indian Bank – BADDOPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BADDOPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's BADDOPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000B521 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank BADDOPUR (IFSC IDIB000B521)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000B521 in your mobile or internet banking app, and the money is credited to the BADDOPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000B521 for Indian Bank – BADDOPUR, 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 – IDIB000B521 | Yes – IDIB000B521 | Yes – IDIB000B521 |
For most retail customers crediting the Baddopur 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 IDIB000B521
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 – BADDOPUR is still mapped to IFSC IDIB000B521. 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 IDIB000B521 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Baddopur branch is mapped to IFSC IDIB000B521 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 IDIB000B521.
Banking services available
The Baddopur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8676892908.
- 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 IDIB000B521
MICR & cheque-truncation details
Cheques drawn on the Baddopur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000B521 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000B521
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the BADDOPUR 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 IDIB000B521 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.
Common mistakes to avoid when using IFSC IDIB000B521
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 – BADDOPUR, 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:
IDIB000B521. - 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.
Reaching the branch
The Baddopur branch sits at NH 31VILL PO PANDARK BARH) PANDARAK PANDARAK PIN 803221. If you are travelling from outside Pandarak, search for the branch on a maps application using the bank name and locality, or call 91-8676892908 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 IDIB000B521 and your account number.
Verifying IFSC IDIB000B521 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 IDIB000B521 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8676892908.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Baddopur 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 IDIB000B521 continue to work without interruption.
Branch address & contact
Indian BankBaddopur Branch
NH 31VILL PO PANDARK BARH) PANDARAK PANDARAK PIN 803221
Pandarak, Bihar
Phone: 91-8676892908
IFSC: IDIB000B521
Frequently asked questions
Can I use IFSC IDIB000B521 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000B521 to send funds instantly.
Where is Indian Bank Baddopur branch located?
Indian Bank's Baddopur branch is located at NH 31VILL PO PANDARK BARH) PANDARAK PANDARAK PIN 803221, Pandarak, Bihar.
How quickly will an NEFT transfer using IDIB000B521 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Baddopur reflect within 30 minutes.
What is the phone number of Indian Bank Baddopur branch?
You can reach the branch at 91-8676892908 during regular banking hours.
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 Baddopur branch but serve different purposes.
What is the IFSC code of Indian Bank Baddopur branch?
The IFSC code of Indian Bank, Baddopur branch is IDIB000B521. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000B521 the same for all accounts at Baddopur branch?
Yes. The IFSC IDIB000B521 is shared by every account held at Indian Bank's Baddopur branch. Only the account number changes from customer to customer.
Is IFSC IDIB000B521 valid for NEFT and RTGS?
Yes. IFSC IDIB000B521 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000B521 belongs to Indian Bank's BADDOPUR branch, located at NH 31VILL PO PANDARK BARH) PANDARAK PANDARAK PIN 803221 in PANDARAK, BIHAR. 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.
