IFSC Code of Indian Bank, Ramgarh SME Finance Branch Branch, Jharkhand

Use this page as a one-stop reference for everything related to Indian Bank's RAMGARH SME FINANCE BRANCH branch in RAMGARH CANTT, JHARKHAND. The branch's IFSC code IDIB000S770 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IDIB000S770 is the IFSC of Indian Bank's RAMGARH SME FINANCE BRANCH branch. The format is fixed: IDIB = bank code, 0 = reserved, 00S770 = branch identifier.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramgarh SME Finance Branch branch — IFSC IDIB000S770 — extends the bank's services to customers in and around Ramgarh Cantt, Jharkhand.

About this branch

The branch is located at MAIN ROAD THANA CHOWK NEAR JAIN PETROL SUPPLY CO) RAMGARH CANTT RAMGARH CANTT RAMGARH CANTT PIN 829122. It serves the Ramgarh Cantt 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 IDIB000S770 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 RAMGARH SME FINANCE BRANCH of Indian Bank — its own 11-character IFSC. The code IDIB000S770 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 IDIB000S770 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IDIB000S770 and the account number together uniquely identify the Ramgarh SME Finance Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDIB000S770

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 IDIB000S770 across all three.

NEFT to Indian Bank, RAMGARH SME FINANCE BRANCH using IFSC IDIB000S770

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 IDIB000S770, and confirm that the system picks up Indian Bank – RAMGARH SME FINANCE BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAMGARH SME FINANCE BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's RAMGARH SME FINANCE BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000S770 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank RAMGARH SME FINANCE BRANCH (IFSC IDIB000S770)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000S770 in your mobile or internet banking app, and the money is credited to the RAMGARH SME FINANCE BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ramgarh SME Finance Branch

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 IDIB000S770:

• 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 RAMGARH SME FINANCE BRANCH is still linked to IFSC IDIB000S770.

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 IDIB000S770

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 – RAMGARH SME FINANCE BRANCH is still mapped to IFSC IDIB000S770. 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 IDIB000S770 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ramgarh SME Finance Branch branch is mapped to IFSC IDIB000S770 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 IDIB000S770.

Products and services

Customers walking into the Ramgarh SME Finance Branch 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 IDIB000S770

Digital banking channels

Most day-to-day work that customers used to do at the Ramgarh SME Finance Branch 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 IDIB000S770 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 Ramgarh SME Finance Branch branch

The branch is located at MAIN ROAD THANA CHOWK NEAR JAIN PETROL SUPPLY CO) RAMGARH CANTT RAMGARH CANTT RAMGARH CANTT PIN 829122, which puts it inside Ramgarh Cantt, the broader Ramgarh district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Ramgarh SME Finance Branch branch” — the verified location pin for IFSC IDIB000S770 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9936367976 before stepping out, especially around public holidays.
3. 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 IDIB000S770 and your account number.

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 – RAMGARH SME FINANCE BRANCH:

• The IFSC is exactly IDIB000S770 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 RAMGARH SME FINANCE BRANCH 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.

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 Ramgarh SME Finance Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000S770, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000S770 for Indian Bank – RAMGARH SME FINANCE BRANCH, 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

Frequently asked questions

Summary

The IFSC code IDIB000S770 belongs to Indian Bank's RAMGARH SME FINANCE BRANCH branch, located at MAIN ROAD THANA CHOWK NEAR JAIN PETROL SUPPLY CO) RAMGARH CANTT RAMGARH… in RAMGARH CANTT, JHARKHAND. 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.