Use this page as a one-stop reference for everything related to Indian Bank's PANDARIYA branch in PANDARIYA, CHHATTISGARH. The branch's IFSC code IDIB000P554 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 – PANDARIYA is IDIB000P554. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00P554 map to this branch in PANDARIYA, CHHATTISGARH.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pandariya branch — IFSC IDIB000P554 — extends the bank's services to customers in and around Pandariya, Chhattisgarh.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Pandariya |
| IFSC Code | IDIB000P554 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR OLD BUS STAND PANDARIYA PANDARIYA PANDARIYA PIN 491559 |
| City | Pandariya |
| District | Kabeerdham |
| State | Chhattisgarh |
| STD Code | 91 |
| Phone | 7978212182 |
About this branch
The branch is located at NEAR OLD BUS STAND PANDARIYA PANDARIYA PANDARIYA PIN 491559. It serves the Pandariya 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 IDIB000P554 is used to identify this branch on the RBI payments network.
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 PANDARIYA of Indian Bank — its own 11-character IFSC. The code IDIB000P554 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 IDIB000P554 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Pandariya branch is mapped to IFSC IDIB000P554 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 IDIB000P554.
Products and services
Customers walking into the Pandariya 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 IDIB000P554
How to transfer money using IFSC IDIB000P554
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 IDIB000P554 across all three.
How to use IFSC IDIB000P554 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's PANDARIYA 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 IDIB000P554.
- Confirm the bank name auto-populates as Indian Bank and the branch as PANDARIYA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to PANDARIYA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PANDARIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P554 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – PANDARIYA, use IMPS. With IFSC IDIB000P554 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Pandariya
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 IDIB000P554:
- 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 PANDARIYA is still linked to IFSC IDIB000P554.
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.
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 PANDARIYA branch, the IFSC IDIB000P554 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.
Online banking and IFSC IDIB000P554
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PANDARIYA 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 IDIB000P554 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 Pandariya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000P554 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IDIB000P554
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 – PANDARIYA, 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:
IDIB000P554. - 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 Pandariya branch sits at NEAR OLD BUS STAND PANDARIYA PANDARIYA PANDARIYA PIN 491559. If you are travelling from outside Pandariya, search for the branch on a maps application using the bank name and locality, or call 91-7978212182 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 IDIB000P554 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000P554 for Indian Bank – PANDARIYA, 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.
Working hours
Branch counters at Pandariya 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 IDIB000P554 continue to work without interruption.
Branch address & contact
Indian BankPandariya Branch
NEAR OLD BUS STAND PANDARIYA PANDARIYA PANDARIYA PIN 491559
Pandariya, Chhattisgarh
Phone: 91-7978212182
IFSC: IDIB000P554
Frequently asked questions
How do I add Indian Bank Pandariya as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P554, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Pandariya branch located?
Indian Bank's Pandariya branch is located at NEAR OLD BUS STAND PANDARIYA PANDARIYA PANDARIYA PIN 491559, Pandariya, Chhattisgarh.
How quickly will an NEFT transfer using IDIB000P554 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Pandariya reflect within 30 minutes.
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 Pandariya branch but serve different purposes.
Can I use IFSC IDIB000P554 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000P554 to send funds instantly.
Is IFSC IDIB000P554 the same for all accounts at Pandariya branch?
Yes. The IFSC IDIB000P554 is shared by every account held at Indian Bank's Pandariya branch. Only the account number changes from customer to customer.
Does Indian Bank Pandariya branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7978212182 to confirm.
Is IFSC IDIB000P554 valid for NEFT and RTGS?
Yes. IFSC IDIB000P554 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000P554 belongs to Indian Bank's PANDARIYA branch, located at NEAR OLD BUS STAND PANDARIYA PANDARIYA PANDARIYA PIN 491559 in PANDARIYA, CHHATTISGARH. 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.
