If you are searching for the IFSC code of Indian Bank, RAIGANJ branch in RAIGANJ UTTAR DINAJPUR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is IDIB000R121. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RAIGANJ branch, and detailed step-by-step guides for using the IFSC IDIB000R121 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 RAIGANJ branch, the IFSC IDIB000R121 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00R121 identifies this particular branch.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Raiganj branch in Raiganj Uttar Dinajpur, West Bengal is part of this network and uses the IFSC code IDIB000R121 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Raiganj |
| IFSC Code | IDIB000R121 |
| MICR Code | Refer to cheque leaf |
| Branch Address | N S ROAD NEAR B S N L OFFICE RAIGANJ UTTAR DINAJPUR RAIGANJ PIN 733134 |
| City | Raiganj Uttar Dinajpur |
| District | Uttar Dinajpur |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9531667426 |
About the Raiganj branch
The Raiganj branch of Indian Bank is situated at N S ROAD NEAR B S N L OFFICE RAIGANJ UTTAR DINAJPUR RAIGANJ PIN 733134. 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 IDIB000R121 is used.
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 RAIGANJ of Indian Bank — its own 11-character IFSC. The code IDIB000R121 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 IDIB000R121 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 Raiganj branch is mapped to IFSC IDIB000R121 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 IDIB000R121.
Products and services
Customers walking into the Raiganj 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 IDIB000R121
How to transfer money using IFSC IDIB000R121
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 IDIB000R121 across all three.
NEFT to Indian Bank, RAIGANJ using IFSC IDIB000R121
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 IDIB000R121, and confirm that the system picks up Indian Bank – RAIGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAIGANJ
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's RAIGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000R121 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank RAIGANJ (IFSC IDIB000R121)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000R121 in your mobile or internet banking app, and the money is credited to the RAIGANJ branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Raiganj
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 IDIB000R121:
- 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 RAIGANJ is still linked to IFSC IDIB000R121.
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.
UPI payments and IFSC IDIB000R121
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 – RAIGANJ is still mapped to IFSC IDIB000R121. 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 IDIB000R121 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Raiganj 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 IDIB000R121 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.
MICR & cheque-truncation details
Cheques drawn on the Raiganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R121 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 IDIB000R121
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 – RAIGANJ, 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:
IDIB000R121. - 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 Raiganj branch sits at N S ROAD NEAR B S N L OFFICE RAIGANJ UTTAR DINAJPUR RAIGANJ PIN 733134. If you are travelling from outside Raiganj Uttar Dinajpur, search for the branch on a maps application using the bank name and locality, or call 91-9531667426 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 IDIB000R121 and your account number.
Verifying IFSC IDIB000R121 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 IDIB000R121 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9531667426.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Raiganj 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 IDIB000R121 continue to work without interruption.
Branch address & contact
Indian BankRaiganj Branch
N S ROAD NEAR B S N L OFFICE RAIGANJ UTTAR DINAJPUR RAIGANJ PIN 733134
Raiganj Uttar Dinajpur, West Bengal
Phone: 91-9531667426
IFSC: IDIB000R121
Frequently asked questions
What is the phone number of Indian Bank Raiganj branch?
You can reach the branch at 91-9531667426 during regular banking hours.
Is IFSC IDIB000R121 the same for all accounts at Raiganj branch?
Yes. The IFSC IDIB000R121 is shared by every account held at Indian Bank's Raiganj branch. Only the account number changes from customer to customer.
Is IFSC IDIB000R121 valid for NEFT and RTGS?
Yes. IFSC IDIB000R121 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Raiganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9531667426 to confirm.
What is the IFSC code of Indian Bank Raiganj branch?
The IFSC code of Indian Bank, Raiganj branch is IDIB000R121. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Raiganj branch located?
Indian Bank's Raiganj branch is located at N S ROAD NEAR B S N L OFFICE RAIGANJ UTTAR DINAJPUR RAIGANJ PIN 733134, Raiganj Uttar Dinajpur, West Bengal.
Summary
The IFSC code IDIB000R121 belongs to Indian Bank's RAIGANJ branch, located at N S ROAD NEAR B S N L OFFICE RAIGANJ UTTAR DINAJPUR RAIGANJ PIN 733134 in RAIGANJ UTTAR DINAJPUR, 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.
