If you are searching for the IFSC code of Indian Bank, RAMGARH branch in RAMGARH, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDIB000R559. 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 RAMGARH branch, and detailed step-by-step guides for using the IFSC IDIB000R559 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.
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 – RAMGARH is IDIB000R559. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00R559 map to this branch in RAMGARH, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ramgarh |
| IFSC Code | IDIB000R559 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO RAMGARH RAMGARH RAMGARH PIN 231213 |
| City | Ramgarh |
| District | Sonbhadra |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 6201487567 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramgarh branch — IFSC IDIB000R559 — extends the bank's services to customers in and around Ramgarh, Uttar Pradesh.
Ramgarh branch overview
Located at VILL PO RAMGARH RAMGARH RAMGARH PIN 231213, the Ramgarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000R559 is required for all interbank electronic transfers routed through this branch.
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 of Indian Bank — its own 11-character IFSC. The code IDIB000R559 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 IDIB000R559 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000R559
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 IDIB000R559 across all three.
NEFT to Indian Bank, RAMGARH using IFSC IDIB000R559
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 IDIB000R559, and confirm that the system picks up Indian Bank – RAMGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000R559
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Bank – RAMGARH, ensure your bank's portal accepts IFSC IDIB000R559 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – RAMGARH, use IMPS. With IFSC IDIB000R559 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 IDIB000R559 for Indian Bank – RAMGARH, 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 – IDIB000R559 | Yes – IDIB000R559 | Yes – IDIB000R559 |
For most retail customers crediting the Ramgarh 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 IDIB000R559
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 is still mapped to IFSC IDIB000R559. 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 IDIB000R559 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ramgarh branch
Once you have an account at Indian Bank – RAMGARH, the IFSC IDIB000R559 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Ramgarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-6201487567.
- 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 IDIB000R559
MICR & cheque-truncation details
Cheques drawn on the Ramgarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R559 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000R559
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the RAMGARH 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 IDIB000R559 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 – RAMGARH:
- The IFSC is exactly IDIB000R559 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 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 Ramgarh branch
The branch is located at VILL PO RAMGARH RAMGARH RAMGARH PIN 231213, which puts it inside Ramgarh, the broader Sonbhadra district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Ramgarh branch” — the verified location pin for IFSC IDIB000R559 should appear at the top of the results.
- Confirm the branch is open by calling 91-6201487567 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 IDIB000R559 and your account number.
Verifying IFSC IDIB000R559 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 IDIB000R559 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-6201487567.
- 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 Ramgarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000R559, however, work 24x7.
Branch address & contact
Indian BankRamgarh Branch
VILL PO RAMGARH RAMGARH RAMGARH PIN 231213
Ramgarh, Uttar Pradesh
Phone: 91-6201487567
IFSC: IDIB000R559
Frequently asked questions
What is the phone number of Indian Bank Ramgarh branch?
You can reach the branch at 91-6201487567 during regular banking hours.
How do I add Indian Bank Ramgarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R559, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000R559 the same for all accounts at Ramgarh branch?
Yes. The IFSC IDIB000R559 is shared by every account held at Indian Bank's Ramgarh branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Ramgarh branch?
The IFSC code of Indian Bank, Ramgarh branch is IDIB000R559. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Ramgarh branch located?
Indian Bank's Ramgarh branch is located at VILL PO RAMGARH RAMGARH RAMGARH PIN 231213, Ramgarh, Uttar Pradesh.
Is IFSC IDIB000R559 valid for NEFT and RTGS?
Yes. IFSC IDIB000R559 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IDIB000R559 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Ramgarh 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 Ramgarh branch but serve different purposes.
Final notes
To recap: IDIB000R559 is the IFSC code of Indian Bank, RAMGARH branch, in RAMGARH, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
