Below are the complete branch details for Indian Bank, PHULNAKHRA branch, located in PHULNAKHARA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000P641. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000P641 for Indian Bank – PHULNAKHRA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's PHULNAKHRA branch, the IFSC IDIB000P641 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00P641 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Phulnakhra |
| IFSC Code | IDIB000P641 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPOSITE OF LAKHESWAR HIGH SCHOOL NIALI ROAD PHULNAKHARA PHULNAKHARA PIN 754001 |
| City | Phulnakhara |
| District | Cuttack |
| State | Odisha |
| STD Code | 91 |
| Phone | 7978529646 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Phulnakhra branch — IFSC IDIB000P641 — extends the bank's services to customers in and around Phulnakhara, Odisha.
About this branch
The branch is located at OPPOSITE OF LAKHESWAR HIGH SCHOOL NIALI ROAD PHULNAKHARA PHULNAKHARA PIN 754001. It serves the Phulnakhara 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 IDIB000P641 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 PHULNAKHRA branch came to be assigned the code IDIB000P641.
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 IDIB000P641, money simply cannot be routed to the PHULNAKHRA branch electronically.
How to transfer money using IFSC IDIB000P641
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 IDIB000P641 across all three.
How to use IFSC IDIB000P641 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's PHULNAKHRA 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 IDIB000P641.
- Confirm the bank name auto-populates as Indian Bank and the branch as PHULNAKHRA.
- 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 PHULNAKHRA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PHULNAKHRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P641 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 – PHULNAKHRA, use IMPS. With IFSC IDIB000P641 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 IDIB000P641 for Indian Bank – PHULNAKHRA, 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 – IDIB000P641 | Yes – IDIB000P641 | Yes – IDIB000P641 |
For most retail customers crediting the Phulnakhra 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 IDIB000P641
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 – PHULNAKHRA is still mapped to IFSC IDIB000P641. 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 IDIB000P641 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Phulnakhra branch is mapped to IFSC IDIB000P641 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 IDIB000P641.
Products and services
Customers walking into the Phulnakhra 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 IDIB000P641
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 IDIB000P641 and the account number together uniquely identify the Phulnakhra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000P641
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PHULNAKHRA 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 IDIB000P641 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Bank – PHULNAKHRA:
- The IFSC is exactly IDIB000P641 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Bank as the bank name and PHULNAKHRA as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Phulnakhra branch
The branch is located at OPPOSITE OF LAKHESWAR HIGH SCHOOL NIALI ROAD PHULNAKHARA PHULNAKHARA PIN 754001, which puts it inside Phulnakhara, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Phulnakhra branch” — the verified location pin for IFSC IDIB000P641 should appear at the top of the results.
- Confirm the branch is open by calling 91-7978529646 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 IDIB000P641 and your account number.
Verifying IFSC IDIB000P641 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 IDIB000P641 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7978529646.
- Visiting the bank's official branch locator page.
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 Phulnakhra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000P641, however, work 24x7.
Branch address & contact
Indian BankPhulnakhra Branch
OPPOSITE OF LAKHESWAR HIGH SCHOOL NIALI ROAD PHULNAKHARA PHULNAKHARA PIN 754001
Phulnakhara, Odisha
Phone: 91-7978529646
IFSC: IDIB000P641
Frequently asked questions
What is the phone number of Indian Bank Phulnakhra branch?
You can reach the branch at 91-7978529646 during regular banking hours.
Is IFSC IDIB000P641 the same for all accounts at Phulnakhra branch?
Yes. The IFSC IDIB000P641 is shared by every account held at Indian Bank's Phulnakhra branch. Only the account number changes from customer to customer.
Where is Indian Bank Phulnakhra branch located?
Indian Bank's Phulnakhra branch is located at OPPOSITE OF LAKHESWAR HIGH SCHOOL NIALI ROAD PHULNAKHARA PHULNAKHARA PIN 754001, Phulnakhara, Odisha.
How do I add Indian Bank Phulnakhra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P641, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Phulnakhra branch?
The IFSC code of Indian Bank, Phulnakhra branch is IDIB000P641. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IDIB000P641 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000P641 to send funds instantly.
Summary
The IFSC code IDIB000P641 belongs to Indian Bank's PHULNAKHRA branch, located at OPPOSITE OF LAKHESWAR HIGH SCHOOL NIALI ROAD PHULNAKHARA PHULNAKHARA PIN 754001 in PHULNAKHARA, ODISHA. 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.
